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Medicare Supplements

What is Medigap insurance?

Medigap insurance is Medicare supplemental insurance provided by private insurance companies to help cover some of the costs not covered by Medicare (such as the 20% co-insurance).

You have a six-month open enrollment period to buy a Medigap policy. The period starts the month you’re 65 and enrolled in Part B. You have a guaranteed right to buy any Medigap policy sold in your state regardless of your health status during that time.

If purchased after the initial enrollment period, however, the insurance company can require underwriting, set waiting periods for pre-existing conditions, set different terms or premiums, or may not accept your application at all.


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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE to get information on all of your options.
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