The best time to sign up for a Supplement (also referred to as Medigap) is the 6 month window when you are first eligible. That way, you are guaranteed to be covered and get the lowest rate available. Premiums go up based on age, so as the years pass your premium will be higher when you sign up.
There are a few times where you can sign up without the pre-existing clause limitation – first eligible (age or a diagnosis) and open enrollment periods.
Outside Open Enrollment – there are no guarantees and the carrier can put you through medical underwriting and apply pre-existing clause conditions.
There are many plans, and each has numerous components of coverage.
The best method is to CALL US: (407) 513-2583 to go over your specific needs.
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