Applying for Medigap: timing, paperwork and mistakes to avoid

When to apply, what the application asks, how to avoid gaps in coverage, and why you shouldn't cancel an old policy until the new one is approved.

Timing

You can apply up to six months before your Medigap open enrollment period starts. Applying early lets coverage begin the same day as Part B. See your Medigap open enrollment.

What you need

• Your Medicare number and Part A and Part B start dates.
• Payment details for the first premium.
• If outside open enrollment, answers to health questions; see underwriting questions.

Mistakes to avoid

1. Cancelling your current plan before the new one is approved.
2. Missing a guaranteed-issue window, such as 63 days after losing employer coverage.
3. Answering health questions inaccurately, which can lead to cancellation.
4. Buying two Medigap policies. You only need one.

Free look

You get 30 days to review a new Medigap policy. If you're replacing one, keep both during the free look, then cancel the old one.

Questions people ask

How early can I apply for Medigap?

Up to six months before your open enrollment period starts.

Should I cancel my old plan first?

No, wait until the new one is approved.

What is the free look period?

30 days to review a new policy.

Can I have two Medigap policies?

You only need one; insurers can't sell a duplicate.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.