The short answer
A private supplement helps pay some out-of-pocket costs under Parts A and B. You pay a separate premium.
Where does Medigap fit?
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Original Medicare + Medigap
A private supplement helps pay some out-of-pocket costs under Parts A and B. You pay a separate premium.
Drug coverage is separate
New Medigap policies do not include prescription coverage. Consider a separate Part D plan.
Your first window matters
The federal 6-month Medigap window starts the first month you have Part B and are 65 or older.
Check before switching
Outside protected enrollment rights, health questions or denial may apply. State rules vary. Medigap does not supplement Medicare Advantage.
A question worth asking
Can I buy Medigap every fall without health questions?
The fall Medicare Open Enrollment period does not create a general right to buy Medigap without medical underwriting. Your initial Medigap window, guaranteed-issue protections and state rules are separate. If you are under 65, availability also depends on state protections. Confirm acceptance and effective dates before leaving existing coverage.
Your next-step checklist
Use this for your own notes. Checkmarks are not sent to Finwell or saved when you leave.
Sources & review
Checked against the official sources below on September 13, 2026. General education, not an individual coverage or eligibility determination.
Medigap enrollment rights — Medicare.govBuying Medigap — Medicare.govCoverage and enrollment rules can change. Confirm the details for your situation with Medicare, Social Security, your state or the specific plan. Tell us if something needs clarification.
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