Purchasing a Medicare Supplement (Medigap) Plan

There are many things to consider when purchasing a Medicare Supplement (Medigap) plan. Here is a helpful step-by-step guide.

 Read
Join Helpful now
Get more personalized support for free with Helpful.

Get insurance benefits, legal documents, and medical records in one place

Medigap Plan Purchase

Helpful Highlights

Step 1. Decide which plan

Step 2. Pick the policy

Step 3. Contact the company 

After the Medicare/Medigap Open Enrollment Period ends, insurance companies don’t have to sell your loved one a Medigap policy, except in specific circumstances. If they qualify, they’ll need to give the company proof of their situation (like copies of letters, notices, or emails).

After purchasing a policy

Ask for the Medigap policy to become effective when your loved one wants coverage to start. Generally, Medigap policies begin the first of the month after application.  But, if it's been 30 days and your loved one didn't get the Medigap policy (like a Medigap card or proof of insurance), call the insurance company. If it's been 60 days and still no Medigap policy, call the State Insurance Department.

Every Medigap policy must follow federal and state laws designed to protect your loved one.

Licensed independent insurance brokers

We highly recommend that if you or your loved one are interested in exploring Medigap plans, you contact a licensed independent insurance broker who specializes in Medicare, Medicare Advantage, and Medicare Supplement for a discussion on all the options.

Join Helpful now

RESOURCES

How Do I Buy A Medigap Policy?

Buying A Medigap Policy

No content in this app, regardless of date, should ever be used as a substitute for direct advice from a licensed insurance broker or other qualified plan-payer professional.

Get more support and guidance on insurance benefits, medical records and legal forms.

Helpful brings together your insurance benefits, legal documents, and medical records in one personalized place — so you always know what you have, and never have to search again.

banner

Navigate Healthcare with a Little Help from Helpful

Get more from your healthcare. Whether for you or your loved one, Helpful makes it easy to book with our in-network mental healthcare providers, book other doctor visits, manage insurance benefits, check prescriptions, and handle important forms.

therapy

In-Network Mental Healthcare

Find a Therapist

legal

Get Power of Attorney, Wills & Other Forms

Learn More

sync

Check Prescriptions for Hidden Risks

Get Started for Free

money

Have Helpful Find In-Network Providers and Book Visits

Learn More