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FAQ: How Do I Enroll in a Medigap Plan?

Learning how to enroll in Medicare and any supplemental Medigap plans is an essential step to guaranteeing a happy, independent retirement. The first step to enrolling in a Medigap plan is to register for Original Medicare, Part A and Part B. Then, you can explore the supplemental policies offered by insurance companies in your area.

How to Apply for Medicare Part A and Part B?

If you are below age 65 and receiving disability benefits, or if you are over age 65 and receiving retirement benefits from Social Security or the Railroad Retirement Board, then you may be automatically enrolled in Original Medicare.

If you don’t meet these requirements, however, then you may be wondering: Where do you sign up for Medicare?  There are three common methods:

  • Go online to
  • Call Social Security at 1-800-772-1213 (Monday through Friday, 7 am to 7 pm)
  • Visit your closest Social Security office in person

Once you are enrolled in Original Medicare, then you are eligible to enroll in a Medigap plan, which is also commonly known as Medicare Supplement insurance.

How Do I Enroll in Medigap?

While Original Medicare is federally-sponsored, Medigap plans are offered by independent insurance providers that are recognized by Medicare. To receive a Medicare Supplement plan, you must apply with one of these insurers.

You are legally entitled to 30 days to review any new Medigap policy that you enroll in. If you cancel your plan within that time, then you will receive a full refund. Depending on where you live, however, you may not be able to buy another Medicare Supplement policy or may face higher premiums for future enrollments.

Why Should I Enroll in Medigap During My Open Enrollment Period?

The day after you turn age 65 and are enrolled in Medicare Part B, your six-month Open Enrollment Period will begin. During this period, insurance companies cannot reject your application for any Medigap plan due to a pre-existing health condition or disability. Additionally, they cannot charge a higher premium due to your current health status.

What If I Wait Until After My Open Enrollment Period to Register for Medigap?

If you wait until after your Open Enrollment Period has passed to apply for Medigap, then insurance companies can raise your monthly premium or deny you coverage due to your health status. This is true whether you are signing up for Medigap for the first time or whether you are planning to switch to a new insurance provider or coverage plan.

How Can “My Medigap Plans” Help Me?

At My Medigap Plans, we work with seniors and people with disabilities to help them choose the best possible Medicare Supplement insurance for their needs. We show you the price of different plans with different companies based on your age, gender, and other demographic information. Then, we talk with you to help you decide which Medigap plan will fit your needs and your budget.

Contact us today, and we’ll help you find the right policy for you and discover how to register for the Medicare Supplement plan you choose!

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