Medigap Eligibility

Medigap eligibility is your golden ticket to supplemental Medicare coverage. To be eligible for a Medigap policy, you need to be enrolled in both Medicare Part A and Part B. It’s that simple!

Age is a factor too. In most states, you become eligible for Medigap when you’re 65 or older. However, if you’re under 65 and have Medicare due to a disability or specific disease, you might also be eligible, depending on your state’s rules.

It’s important to note that Medigap policies are designed to supplement Original Medicare, not Medicare Advantage Plans. If you have a Medicare Advantage Plan, you can’t use a Medigap policy to pay for your out-of-pocket costs.

Your health status usually doesn’t affect your eligibility for Medigap, especially during your Medigap Open Enrollment Period. This is a big plus for many seniors who might have pre-existing conditions.

Remember, Medigap policies only cover one person. If you and your spouse both want Medigap coverage, you’ll need to buy separate policies.