How Do You Buy a Medigap Policy?
Learn how to buy a Medigap policy, when the open enrollment window matters most, and how to compare the same lettered plan across insurers.
To buy a Medigap policy, first confirm you have Original Medicare with Part A and Part B, then choose the standardized lettered plan you want and compare that same letter from insurers licensed in your state. The best time is usually your Medigap open enrollment period, because waiting can affect availability, pricing, or medical underwriting.
Medigap buying checklist
Confirm Medicare type
Original Medicare Part A and Part B
Medigap is not for Medicare Advantage
Choose a lettered plan
Benefits in that letter
Compare the same letter across insurers
Check timing
Open enrollment or guaranteed issue rights
Later applications can face underwriting
Get quotes
Premium, pricing method, household discounts, service
Same benefits can have different prices
Apply with insurer
Licensed company in your state
Do not cancel other coverage until new policy is confirmed
Buy a Medigap policy
- 1Confirm you have Original Medicare Part A and Part B.
- 2Check whether you are in your Medigap open enrollment period or have guaranteed issue rights.
- 3Choose the standardized plan letter that fits your needs.
- 4Compare the same plan letter from licensed insurers in your state.
- 5Apply with the insurer and keep proof of the policy start date.
FAQ
Do I need Original Medicare before buying Medigap?
Yes. Medigap is supplemental coverage for Original Medicare, so it is tied to having Medicare Part A and Part B rather than Medicare Advantage.
Is Medigap the same as Medicare Advantage?
No. Medigap helps pay costs under Original Medicare. Medicare Advantage is a different way to get Medicare benefits through a private plan.
When is the best time to buy Medigap?
Medicare.gov emphasizes the Medigap open enrollment period because timing can affect whether insurers can deny coverage or charge more based on health history.
Sources & method
We reviewed these references while writing this answer. Figures are estimates — confirm safety-critical work with a professional. Last updated June 7, 2026.
- How do I buy a Medigap policy?Medicare.gov · medicare.govSupports the Medigap purchase flow, comparing standardized lettered plans, contacting licensed insurers, and choosing a policy.
- When can I buy a Medigap policy?Medicare.gov · medicare.govSupports the importance of Medigap open enrollment, timing-based access, and medical underwriting caveats after the strongest window.