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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 1–800– MEDICARE to get information on all of your options.
Do Medicare supplement plans include prescription drug coverage?
Modern Medigap plans do not include prescription drug benefits. Instead, Medicare offers prescription drug coverage under Part D. Medicare enrollees can get prescription coverage either by switching to a Medicare Advantage plan or by purchasing a stand-alone Medicare Part D plan (PDP) to go along with Original Medicare.
Is there a best time to enroll in a Medicare supplement plan?
The best time to enroll in a Medicare supplement plan is during your Medigap open enrollment period, a six-month window that begins on the first of the month you're enrolled in Medicare Part B and are 65 or older.
Medigap – Medicare supplement insurance
Medigap helps with expenses such as copayments, coinsurance and deductibles. Learn about enrollment, plan benefits and costs. Get a free quote in minutes.
What are Medigap plans and how do they work?
Q: What are Medigap plans and how do they work? A: Medigap plans are Medicare supplement insurance plans, and are sold by private insurance companies that agree to abide by federal Medicare guidelines. A Medicare enrollee cannot purchase a Medigap policy unless he or she also has Medicare Part A and Part B, and Medigap policies only cover one person – there are no joint policies, so a married couple will need two policies, one for each spouse.
How to choose between Medicare Advantage, Medigap and Part D
Considering a change to your Medicare coverage? Consider these 10 factors when choosing between Medicare Advantage, Medigap, and Part D coverage.
Q: How do I know if I’m eligible for a Medicare supplement (Medigap) plan?
A: You are eligible for Medicare supplement (Medigap) coverage if you are already enrolled in Medicare Part A and Medicare Part B. The open enrollment window is six months long, beginning on the date your Medicare B becomes effective.
During this six-month window, Medigap carriers must allow you to enroll in any plan you choose, and cannot charge you more based on medical history. After your open enrollment window is over, medical underwriting can be used if you apply for a Medigap plan (unless you qualify for a special enrollment period, which is limited to certain plans in some cases).
Federal regulations regarding Medigap open enrollment do not extend to Medicare beneficiaries who are under 65. But most states will allow you to purchase a Medicare supplement plan even if you are not 65, as long as you’re enrolled in Medicare (because you’re disabled or have end state renal disease, for example).
There are 33 states that require Medigap insurers to allow any newly-eligible Medicare beneficiary to purchase at least one type of Medigap coverage, but in most cases, the insurers can charge additional premiums for people who are under 65. (Since these beneficiaries are disabled, their health costs tend to be high, which is why Medigap carriers shy away from offering coverage to people under 65, unless required to do so by state law.) For details about the regulations in your state, you can click on your state on this map, or contact your state Insurance Commissioner.
If you are enrolled in Medicare before turning 65 because of a disability, you’ll have a six-month window during which Medigap plans will be available with no medical underwriting following your 65th birthday. For some beneficiaries, this can mean a considerable drop in premium for Medigap coverage, due to the lower prices that often apply to people who are age 65.