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Hear this out loud PauseYou can apply online or you can mail your completed CMS 40B, Application for Enrollment in Medicare - Part B (Medical Insurance) to your local Social Security office.
You can change how you get your coverage during the Medicare Open Enrollment Period each year, or at other times if you qualify for a Special Enrollment Period.
Under federal law, you get a 6 month Medigap Open Enrollment period. It starts the first month you have Medicare Part B and youre 65 or older. During this time, you: Can enroll in any Medigap policy.
Medicare supplement policiesalso called Medigap insuranceare private plans that are designed to supplement Medicare by supplying coverage for gaps in Medicare benefits such as deductibles and coinsurance amounts. These plans are regulated to fit closely with Medicare coverage without duplicating Medicare benefits.
You can sign up between January 1-March 31 each year. This is called the General Enrollment Period. Your coverage starts the month after you sign up.
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Hear this out loud PauseMedicare Supplement Plan F By and large, Plan F is the most popular Medicare Supplement plan due to its coverage of more out-of-pocket Medicare costs than any other Medigap plan type.
Hear this out loud PauseSummary: Medicare Supplement insurance doesnt have restrictions on enrollment periods the way other Medicare coverage does. As long as youre enrolled in Original Medicare, Part A and Part B, you can apply for a Medicare Supplement insurance plan anytime.
You must be enrolled in BOTH Parts A and B at the time of application. You must be age 65 or older (in several states, some Plans are offered to those under 65 who are on disability). You must reside in the state in which the Supplement Plan is offered at the time of application.
You can buy a Medigap policy once you sign up for Medicare. This is the 6-month period that starts the first day of the month youre 65 or older and signed up for Part B. After this period, your options to buy a Medigap policy may be limited and the policy may cost more.
If You Are Age 65 or Over If you are age 65 or over and eligible for Medicare, you have a 6-month period during which you can purchase almost any Medigap policy at the lowest price for your age, even if you have or recently had health problems.

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