You must have Part A and Part B
When to buy Medigap plans
You can apply for enrollment or switch plans at any time. This is another point of confusion. In the winter, you see a lot of TV advertising touting the “Open enrollment period” from the middle of October through the first week of December. This applies to Medicare Advantage (to change or drop plans) and Medicare approved Prescription drug plans (to change plans) not Medigap plans.
If you apply or switch Medigap plans after the guaranteed issue period (which ends 6 months after your 65th birthday or 8 months after you come off a Group plan) you will have to go through Medical underwriting. This should not scare you off if you are on a Medigap plan already, and you are generally healthy. We have many clients that are not happy with their current plan because of the price they are paying. In many cases, we can save you a significant amount of money for the same plan at a different carrier. We offer several of the top providers to choose from.
We recommend that you apply for Medigap coverage at the same time that you sign up for Medicare. You can do both 3 months before your 65th birthday. This way your coverage will start on the first day of your birthday month.