Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
You should buy your Medigap plan when you're new to Medicare - this is THE BEST time to buy a Medicare supplement plan because you have a 6-month window (your initial open enrollment period - starts from your Medicare Part B effective date) to apply for any Medigap plan with NO medical underwriting. This means that a carrier cannot decline you for coverage for any pre-existing conditions or other medical-related illness. Beyond this window, you'll be subject to answering health questions to qualify for a new plan (every carriers' questions are different) if you don't have a guaranteed-issue right available to you.
Anyone over the age of 65 and has Medicare Part A & Part B can buy a Medigap plan. If you're under 65, you can still purchase a Medigap plan if you're on Medicare for disability or ESRD, but the cost will be very high. Medigap plans are designed to be purchased by individuals age 65 and up.
I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage, quotes, and comparisons of plans and if you have any other questions. Thanks very much.
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Anyone over the age of 65 and has Medicare Part A & Part B can buy a Medigap plan. If you're under 65, you can still purchase a Medigap plan if you're on Medicare for disability or ESRD, but the cost will be very high. Medigap plans are designed to be purchased by individuals age 65 and up.
I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage, quotes, and comparisons of plans and if you have any other questions. Thanks very much.