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Medicare Supplement Enrollment Periods

Table of Contents

When enrolling in a Medicare Supplement plan, it’s important to understand whether you must undergo medical underwriting, or if you have guaranteed issue rights. Individuals who have guaranteed issue rights can purchase a Medicare Supplement plan, regardless of whether they have pre-existing health conditions.

Individuals who must undergo medical underwriting, however, can be denied a policy, or their costs can be higher. Fortunately, everyone has at least one opportunity to enroll in a Medicare Supplement plan without medical underwriting. Below, you can learn more about the enrollment periods for Medigap plans and how to ensure you are able to get the policy you want.

Medicare Supplement Open Enrollment Period

For most, the Medicare Supplement Open Enrollment Period is a once-in-a-lifetime opportunity to enroll in any Medigap plan without underwriting.

Underwriting for Medigap Plans

You can enroll in a Medigap plan any time after you become eligible, but you may need to undergo medical underwriting. This means you must answer questions about current and previous health conditions.

Guaranteed Issue Rights

If you have guaranteed issue rights for Medigap, it means you can enroll in a policy without underwriting. You are, essentially, guaranteed a policy. There are various instances that give you guaranteed issue rights.

There are also state-specific rules regarding Medicare Supplement enrollment, such as state birthday rules, year-round open enrollment, and annual enrollment rules. You can learn more about state-specific enrollment rules by visiting our Medicare by State page.

Allison Auvil

Allison Auvil

Content Strategist
Allison Auvil is a Content Strategist at Elite Insurance Partners. With a bachelor’s degree in visual arts, Allison brings a creative perspective to her writing. She has been involved in content writing and editing for the past five years. The combination of an extensive Medicare101 training program and daily thorough research has made Allison a Medicare Guru. A detail-oriented writer, Allison is focused on writing pieces that are accurate, informative, and easy to read. She begins her writing process with meticulous research and note taking. Once her data is compiled, Allison enjoys the challenge of taking complex data and information and creating articles that are easy to understand.
Ashlee Zareczny

Ashlee Zareczny

Compliance Supervisor and Licensed Medicare Agent
Ashlee Zareczny is the Compliance Supervisor for ApplyforMedicare. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.
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