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The best time to buy a Medigap policy? Skip to content

From ‘liquid biopsies’ to precision medicine, these five developments will change cancer care in the next decade. Learn more.

When is the best time to buy a Medicare Supplement insurance policy?

En español | Federal law guarantees you the right to buy any Medicare supplement insurance policy available where you live during the six months after you turn 65 and first enroll in Medicare Part B. During this six-month enrollment period, an insurer can't turn you down or consider your medical history or current health when setting the plan's premium. However, if you have a preexisting condition when you buy the plan they may be able to make you wait for six months before coverage begins.

After your Medicare supplement open enrollment period ends, insurers can refuse to sell you this coverage or charge you a higher premium based on your health, except in certain situations when you qualify for a special enrollment period. Some states provide broader rules for enrollment.

Each private insurance company that offers Medicare supplement insurance plans handles enrollment for its plans. You'll need to contact the company directly and ask how to enroll.

You can contact your state's State Health Insurance Assistance Program (SHIP) to get a list of plans offered in your state. SHIPs offer access to one-on-one counseling, education programs and other assistance. State Health Insurance Assistance Programs are federally funded for people with Medicare and their families.

Visit or call 1-877-839-2675 to find the SHIP in your state.

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