If you already have Medicare Part A and Part B, applying for a Medicare Supplement (Medigap) plan comes down to four clear steps — comparing plans, checking your timing, getting quotes, and enrolling.
This guide walks through each step, including your enrollment window, guaranteed issue rights, and what to expect after you apply — with a licensed local agent ready to help at any point.
Quick Answer
To apply for Medicare Supplement insurance, you first need Medicare Part A and Part B. Then you compare Medigap plan letters, check your enrollment timing, review quotes from companies licensed in your state, and complete an application with the insurance company or a licensed agent.
Your timing matters. During your Medigap Open Enrollment Period or certain guaranteed issue windows, you generally cannot be denied coverage because of your health. Outside those windows, medical underwriting may apply.
Applying for Medigap isn't hard. Applying at the wrong time, with the wrong company, or without comparing the same plan letter across carriers is where people can make expensive mistakes — that's what this guide walks you through.
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Before You Start
You must already have Original Medicare Part A and Part B in place before an insurer can sell you a Medigap policy. If you're not enrolled yet, that's the first step.
Applying during your Medigap Open Enrollment Period — or under a guaranteed issue right — means your health history can't be used to deny you coverage. Applying outside those windows works differently.
Benefits for each lettered plan are standardized by law. The main differences are the premium, company, household discount, rate history, and service experience — so it's worth comparing before you pick one.
The Process
Step 1
Decide which lettered Medigap plan fits your needs. Plan G helps cover many of the major out-of-pocket costs left by Original Medicare after the Part B deductible. Plan N may have a lower premium, but includes certain copays and does not cover Part B excess charges. Once you know the letter, find two or three companies licensed to sell it in your area — the benefits are standardized, so the differences come down to premium, company, and service.
Step 2
Your best window is your Medigap Open Enrollment Period — the 6 months starting the first month you're 65 or older and enrolled in Part B. Apply during that window and an insurer can't deny you or charge more based on your health.
Outside that window, you may still qualify for a guaranteed issue right — for example, if you're losing employer coverage or moving out of your Medicare Advantage plan's service area. Otherwise, an insurer can ask health questions and underwrite your application.
Step 3
Contact the companies you've chosen and ask for a quote on your plan letter, or use our short form below — it takes a minute and there's no obligation. We'll help make sure you're comparing apples-to-apples, since premiums for the exact same plan can vary widely by carrier.
Step 4
Once you've picked a plan, complete the insurer's application. Have your Medicare number and Part A/B effective dates ready. If you're outside your Open Enrollment Period, you'll answer some health questions; if you're inside it or have a guaranteed issue right, your answers can't be used against you.
You can apply directly with the company, or work with a licensed agent who can walk through the application with you and help make sure nothing is missed.
Schedule My Free Enrollment ReviewWhat Comes Next
Once your application is submitted, the insurance company reviews it and — if you're inside your guaranteed issue window — your acceptance is guaranteed. Your policy's effective date depends on your application date, requested start date, carrier rules, and your Medicare effective dates. Many Medigap policies begin on the first day of a month.
If you already have a Medigap policy, we can help you time the switch so there's no gap in coverage. The insurer will mail your policy documents and ID card, usually within a month or two. If it's been longer than 30–60 days and you haven't heard anything, it's worth a call to the carrier — or to us, if we helped with your application.
Medigap policies generally include a free-look period, often around 30 days, to change your mind with no penalty — but the exact rules can vary by policy. Review your policy documents carefully, and don't cancel any existing coverage until you've confirmed your new plan is in effect.
Why It Works
We're licensed Medicare agents based in Bethlehem, PA. Our help costs you nothing — insurance companies pay us, never you.
We compare quotes from multiple Medigap companies so you can see real pricing differences for the same plan letter.
We'll help you fill out the application correctly, understand your enrollment window, and know what to expect next.
Client Reviews
Real clients have shared what it was like to apply with our help.
“I contacted Dave Scallion about applying for Medicare after being referred to him by a friend. That turned out to be an excellent referral. Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions and even assisted with some of the application process.”
Robert Haffner Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google review“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare. David is professional in every aspect of customer service and is always ready to answer questions and clarify information.”
Bob Bromiley Google reviewCommon Questions
Get a free Medigap quote or schedule a private review with a real licensed agent who can walk through plan comparisons, enrollment timing, and the application itself — with no pressure and no obligation.
No pressure. No call-center runaround. Just clear help applying for Medigap from Lehigh Partners Senior Benefits.
Lehigh Partners Senior Benefits is an independent, licensed insurance agency. Plan availability, benefits, premiums, underwriting, and enrollment rules vary by carrier, state, and individual circumstances. This page is educational and does not guarantee acceptance, savings, or pricing. Calling the number on this page will connect you with a licensed insurance agent. Lehigh Partners Senior Benefits is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every Medigap plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all available options.
