Buy a Medigap policy
To buy a Medigap policy, first confirm you're eligible—typically after turning 65 and enrolling in Medicare Parts A and B. The best time is during your 6-month Medigap Open Enrollment period, which starts the month you turn 65 and have Part B. During this window, insurers cannot deny you coverage or charge more based on pre-existing conditions.
Compare the 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, N) available in most states. Plan G is currently the most popular because it covers nearly everything except the Part B deductible. Use Medicare.gov’s Medigap policy search tool or contact a licensed insurance agent to see what’s offered in your ZIP code and get quotes.
You can buy directly from an insurance company, through an agent, or online via Medicare-approved marketplaces. Premiums vary widely by age, location, gender, tobacco use, and the specific plan. Shop around and ask about household discounts or household rates before you sign up. Once you apply and pay the first premium, your policy usually starts on the first day of the following month.
If you need help comparing plans or finding local options right now, tell me your state and age and I can point you to the most relevant next steps.
