Take the AARP Smart Driver course and you could save on your auto insurance! Learn more.
En español | Probably one of the most critical factors is timing. You have a one-time six-month Medigap open enrollment period that starts the month of your 65th birthday and you are enrolled in Part A and Part B. During these months, you have a guaranteed right to buy any Medigap policy sold in your state regardless of your health status. You cannot be denied coverage due to a preexisting health condition. And no matter what your age or what health problem you may develop in the future, the insurer must renew the policy every year as long as you pay the premiums.
The same guaranteed rights apply if you are 65 or older and buy a Medigap insurance policy within 63 days after losing health insurance from a former employer or union (including retiree benefits or COBRA), or after moving out of your Medicare Advantage plan's service area. There are also other situations where a change in your health insurance will trigger the guaranteed rights to buy a Medigap policy.
However, people under 65 years old who have Medicare coverage due to a disability and live in almost two dozen states and the District of Columbia can be denied Medigap coverage.
Return to Medicare Q&A Tool main page >>
Enter address, city, state, or ZIP code.
Driver Safety (0)
Tax Aide (0)
Entertainment & Dining (0)
Healthcare & Insurance (0)
Financial Services & Insurance (0)
Member Local Offers (0)
Visit the AARP state page for information about events, news and resources near you.
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at