Purchasing a Medicare Supplement (Medigap) Plan

There are many things to consider when purchasing a Medicare Supplement (Medigap) plan. Here is a helpful step-by-step guide.

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Medigap Plan Purchase

Helpful Highlights

Step 1. Decide which plan

Step 2. Pick the policy

Step 3. Contact the company 

After the Medicare/Medigap Open Enrollment Period ends, insurance companies don’t have to sell your loved one a Medigap policy, except in specific circumstances. If they qualify, they’ll need to give the company proof of their situation (like copies of letters, notices, or emails).

After purchasing a policy

Ask for the Medigap policy to become effective when your loved one wants coverage to start. Generally, Medigap policies begin the first of the month after application.  But, if it's been 30 days and your loved one didn't get the Medigap policy (like a Medigap card or proof of insurance), call the insurance company. If it's been 60 days and still no Medigap policy, call the State Insurance Department.

Every Medigap policy must follow federal and state laws designed to protect your loved one.

Licensed independent insurance brokers

We highly recommend that if you or your loved one are interested in exploring Medigap plans, you contact a licensed independent insurance broker who specializes in Medicare, Medicare Advantage, and Medicare Supplement for a discussion on all the options.

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RESOURCES

How Do I Buy A Medigap Policy?

Buying A Medigap Policy

No content in this app, regardless of date, should ever be used as a substitute for direct advice from a licensed insurance broker or other qualified plan-payer professional.

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