What if I Miss My Medigap Deadline?

Learn your options for enrolling in Medicare Supplement after your initial enrollment ends

by Ray Wilson+ on Feb 09, 2016 | 3 Comments

If you have missed your Medicare Supplement initial enrollment period when you are first eligible for Medicare Part B, you might think, “I’m out of luck.” But that’s not always the case. There are a few options for those of you that may have not enrolled in a Medicare Supplement plan (Medigap) on your first go. If you do not yet know your deadlines, check our Deadline Calculator.

What if I Miss My Medigap Deadline?

There’s a few things you can do if you miss the Medigap deadline during your initial enrollment period (usually a 6 month period starting the first day of your birth month). Here’s a list of them:

  • First, check to see if you qualify for Medigap guaranteed issuance outside of your initial enrollment period; if you do not see which situation bellow you fall under:
    1. 1) If you do not have preexisting conditions get a Medigap quote, and you will more than likely be approved
      2) If you do have preexisting conditions, it maybe more difficult to be accepted, but not to worry, Senior65 considers itself the Medigap expert, and we will help you find the right plan for you. Call 800-930-7956
      3) You have Medicare Advantage and want to switch to Medigap, there are optimal times to apply, and companies to work with. Senior65 can help
      4) If you are enrolled in a Medigap and want to switch to another Medigap plan, there are other options for you.

    Learn More about Medigap Get a Medigap Quote

    Next Steps if you Miss Your Medigap Deadline

    As you can see above, there are several times you can apply for a Medigap plan. First thing you will want to do is contact Senior65’s independent insurance sales agents at 800-930-7956. We are experts at finding the right plan based on your health and financial needs.

     

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    Reader Comments and Questions

    (Click here to leave a comment)

    By Eugene on February 24, 2018

    I have a older brother i am trying to help. He is a member of a recognized Indian tribe, Age 71 and has never had a supplemental policy. Is he still able to get a one no matter his health. He lives in Kansas

    Eugene,
    There may be some specific benefits he has access to by being a member of a recognized Indian tribe. You will want to check with www.medicare.gov for that.

    In general, if his part B effective date was in the last 6 months then he could apply and be approved for a Medicare Supplemental plan regardless of his health condition. If not, it would probably mean that he would have to apply for a plan and answer health questions before approval. We can help him apply here at Senior65.com.
    Hope that helps
    -Chris from Senior65


    By rowdy on December 07, 2016

    Can you get seperate dental insurance or vision insurance if you are on medicare outside of the open enrollment ?

    Rowdy,
    You can get dental/vision anytime during the year. Click here to get a senior dental/vision quote.
    -Eric from https://www.senior65.com/


    By Rita on March 04, 2016

    I have Medicare Advantage in Chicago, but am retiring in Florida next year. Can I apply for Medigap? I'm worried because I had breast cancer a few years ago, and I think I'll be denied for Medigap.

    Rita,
    When you move to Florida/out of your Medicare Advantage network it will trigger a qualifying event for a Medigap guaranteed issuance period, and you won't have to answer medical questions.
    -Michelle from https://www.senior65.com/



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