Medigap

Medigap eligibility.

Your six-month Medigap Open Enrollment Period starts the month you turn 65 and are enrolled in Part B. During that one-time window, every Medigap insurer in your state must sell you any plan they offer at the same price as a healthy applicant — no medical underwriting, no health questions, no denial. Outside that window, most states let insurers deny you or charge more based on health. California is an exception: the Birthday Rule keeps a 60-day annual window open every year.

The one window where you have full rights

Your Medigap Open Enrollment Period is a 6-month window that begins the month you turn 65 and are enrolled in Part B. During this window:



• You can buy any Medigap plan available in your state
• The carrier cannot ask about your health
• The carrier cannot deny you
• The carrier cannot charge more for pre-existing conditions

This is the cheapest, easiest time to enroll. Miss it, and the rules change.

How Medigap is standardized

This is one of the best-kept secrets in Medicare: Medigap plans are federally standardized. There are 10 plan letters (A, B, C, D, F, G, K, L, M, N) and each letter covers exactly the same benefits no matter which carrier sells it.



Plan G from Carrier A covers the same things as Plan G from Carrier B. The only difference between them is price. That's why we always shop multiple carriers when recommending a Medigap plan—same coverage, different premium.

Eligibility & enrollment

SNPs have continuous open enrollment for qualifying individuals—you don't have to wait for Annual Enrollment Period (AEP). You can enroll, switch, or disenroll throughout the year as long as you continue to qualify.



If you lose qualification (e.g., you were dual-eligible and Medicaid eligibility ends), you have a grace period to find replacement coverage.

How to know if a SNP is right for you

1. Confirm you qualify (dual status, chronic condition diagnosis, or institutional living)
2. Compare the SNP's network and formulary against your doctors and meds
3. Compare the SNP's extras against what a regular MA plan or Medigap would offer

For dual-eligibles especially, D-SNPs almost always win the comparison. For chronic-condition folks, it depends on the specific plan and the network match.



We can confirm your eligibility and run the comparison for you at no cost.

Talk to a licensed agent—no cost, no pressure.

30-minute call. We'll review your situation, compare plans available in your area, and answer your questions. No obligation, ever.