Based on the convoluted rules of Medicare enrollment, many seniors mistakenly believe that signing up for Medigap is similarly complicated. The good news is that you can sign up for Medigap insurance at any time. However, there are some “sweet spot” time frames which, if you apply during those opportunities, will make the process much easier:
- The Initial Enrollment Period. During your first 6 months of Part B coverage, your acceptance is guaranteed, regardless of your current level of health
- The “Guaranteed Issue” Period. If you are on the verge of losing coverage through an employer, you will have a “guaranteed issue” period lasting 63 days where you can purchase any Medigap policy with no health questions asked.
If you apply for Medicare supplement at any point outside of these time frames, you will likely have to go through the complicated process of medical underwriting and answering lots of invasive health questions. To learn more, and to get help going through the process, call us today at (844) 913-0253