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Can I enroll in a Medicare Supplement (Medigap) plan at any time?


Yes! This is great news for you. The only requirement to enroll in a Medicare Supplement (Medigap) plan is that you have Medicare Part A and Part B.  

These plans allow you to enroll whenever you want. Depending on your circumstances, you will either have a guarantee issue or you will have to be medically underwritten. We have described the special circumstances for a guarantee issue (below). If you are not entitled to a guarantee issue, you will be underwritten. This means you will answer a series of health questions and the insurance company will review your health history and then either accept you or decline you. Additionally, there are some states that have implemented legislation that gives their Medicare eligible people additional rights.


Learn More: Which states offer specific Guarantee Issue Rights or at least Annual Guarantee Issue Rights:

People Also Read: How do insurance companies price Medicare Supplement (Medigap) plans?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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