When can I apply for a Medicare supplement plan (Medigap)?

Once you are enrolled in Medicare Parts A and B, you can apply for a Medicare supplement insurance plan, also known as Medigap, at any time.*

Your acceptance into a Medicare supplement plan is guaranteed if you apply within the 6-month period beginning on the first day of the month in which you're both:

  • At least age 65 or older, and
  • Enrolled in Medicare Part B

In some states, your acceptance is guaranteed even if you apply outside of this time period.**

Understanding your health care needs and how you will use a Medicare supplement insurance plan will help you choose a plan with the right cost and benefit structure for you.

*If you choose to apply outside of your Medicare supplement Open Enrollment period or a Guaranteed Issue period, you may be underwritten and not accepted into the plan. (This does not apply to residents of Connecticut and New York where guaranteed issue is ongoing and Medicare supplement plans are guaranteed available.)

**New York and Connecticut have ongoing guaranteed issue and Medicare supplement plans are guaranteed available.

What Medicare supplement plans are available?

See below for available AARP Medicare Supplement Plans and benefits. The checkmark () means the plan pays 100% of your out-of-pocket costs for that benefit. Otherwise, the plan pays 50%, 75%, or 80%, or no benefit as shown.

Note: In Massachusetts, Minnesota and Wisconsin, there are different standardized plan options available.

Medicare supplement plans
Basic Benefits Plan
A
Plan
B
Plan
C
Plan
F
Plan
G
Plan
K
Plan
L
Plan
N
checkmark checkmark checkmark checkmark checkmark checkmark checkmark checkmark
checkmark checkmark checkmark checkmark checkmark 50% 75% checkmark2
checkmark checkmark checkmark checkmark checkmark 50% 75% checkmark
checkmark checkmark checkmark checkmark checkmark 50% 75% checkmark
Additional Benefits
Skilled Nursing Facility Care
coinsurance
checkmark checkmark checkmark 50% 75% checkmark
Part A Deductible checkmark checkmark checkmark checkmark 50% 75% checkmark
Part B Annual Deductible checkmark checkmark
Part B Excess Charges4 checkmark checkmark
Foreign Travel
emergency care3
80% 80% 80% 80%
Annual Out-of-Pocket
spending limit
$5,2401 $2,6201

When you’re looking at Medicare supplement plans, consider how much you’ll pay for services, like hospital stays or doctor visits, and how much you’re willing to spend on your monthly plan premium and out-of-pocket costs. Benefits and costs vary depending on the plan chosen.

Ready to take the next step?

Find a Plan
Call UnitedHealthcare Ins. Co. 1-844-775-1729 (TTY 711)