When Can I Purchase a Medigap?If you wish to purchase a Medigap policy, you need to find out the best time to buy one in your state. In most states, insurance companies must sell you a policy at certain times and if you meet certain requirements. If you miss your window of opportunity to buy a Medigap, your costs may go up, your options may be limited, or you may not be able to buy a Medigap at all.

Under federal law, you have the right to buy a Medigap policy if you:

At times when you have the right to buy a Medigap policy, an insurance company cannot:

  • Deny you Medigap coverage
  • Or, charge you more for a policy because of past or present health problems

Before you buy a Medigap, check to see if your state offers additional protections. For instance, some states allow people to enroll in Medigaps outside federally protected periods. Residents of New York and Connecticut, for instance, have a guaranteed enrollment right throughout the year, not just at select times. These two states also require insurers to sell to people with Medicare who are under age 65. Call your State Health Insurance Assistance Program (SHIP) or Department of Insurance to learn more about your right to purchase a Medigap policy in your state. Contact your SHIP by visiting www.shiptacenter.org or calling 877-839-2675.

Even if you do not have the right to buy a Medigap in your state, you may still be able to buy a policy if a company agrees to sell you one. However, know that companies can charge you a higher price because of your health status or other reasons.

Read Next: When Are the Protected Times to Buy a Medigap?
Find Out: Can I Buy a Medigap Outside of Protected Enrollment Periods?
Return to: Medicare Supplement

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This content was created and copyrighted by the Medicare Rights Center ©2019. Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities. These materials are presented here with support from YourMedicare.com and may not be distributed, modified or edited without Medicare Rights’ consent.

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