During your one-time Open Enrollment window, carriers legally cannot deny you a Medicare Supplement plan for any health condition. That window is open right now — this is how you use it.
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Licensed Medicare Agents
Guidance from people who work with Medicare every day.
The 120-Day Review
A calm, three-phase process — not a rushed application.
Real Enrollment Timing
No fake countdowns — just the actual federal window.
No Call-Center Pressure
No obligation to enroll after a review, ever.
Three quick questions. No health history required. See your real dates in under 30 seconds.
Enter your birth month and year to lock in your federal window.
Are you already enrolled in Medicare Part B, or planning to take it soon?
Do you take daily prescriptions or have a doctor you need to keep?
Where should we send your personal enrollment timeline?
Phone is optional — only used to text you if your window is closing inside 30 days. Message and data rates may apply. Reply STOP to opt out anytime.
Your Guaranteed-Approval Window Status
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Why did we build this for free? Because most people never see their own enrollment deadline written down until an agent tells them over the phone — often after they've already decided. We'd rather show you the real dates first. If you want help with the paperwork after that, we're here. If not, you keep the timeline. Zero cost, zero pressure either way.
Talk Through My Results — FreeThis tool gives a general estimate based on the month and year you entered. Exact eligibility dates can shift by a month in some cases (for example, if your birthday falls on the 1st). A licensed agent can confirm your exact dates at no cost.
Here's the part most people find out too late: the moment you turn 65 and enroll in Medicare Part B, you get a one-time, 6-month window where carriers cannot turn you down for a Medicare Supplement plan — no matter your health history. No exam. No health questionnaire deciding your fate.
Miss it, and the rules change. Once the window closes, applying for Medigap often means answering health questions and going through medical underwriting — and depending on your state and situation, that can mean a higher rate or a denial. Apply 90 to 120 days early instead, and your coverage is locked in and settled before your birthday even arrives.
Before You Apply, It Helps To Know
Three phases. Zero guesswork. Built to get you locked in before your window ever becomes a problem.
90–120 days before Medicare starts. We map your doctors, prescriptions, travel habits, and budget — so you know whether Medigap is even the right move before we compare a single premium.
Your application window. We put every available carrier side by side on premium, rate history, and household discounts — and show you exactly how Plan G stacks up against Plan N for your situation.
Your effective date. We coordinate your Medicare Supplement, your Part D plan, and your Medicare start date so coverage begins day one — zero gaps, zero surprises.
No scare tactics — just what actually changes the moment your window closes.
Insurance companies cannot deny you a Medicare Supplement policy because of a pre-existing health condition during this window.
Applying after your window closes often means going through medical underwriting.
Why not just call the number on the mailer? Most Medicare hotlines are commission-driven call centers that only carry one or two carriers — so that's what they'll offer you, whether or not it's your best rate. We're independent: we compare the whole market, and we get paid the same no matter which carrier you pick. Our recommendation doesn't change our paycheck.
Check My Enrollment WindowEverything that actually determines your best plan — reviewed before you sign anything.
Coverage and cost differences between the two most popular plan letters.
Compared across the carriers available in your ZIP code.
How a carrier's rates have trended over time, not just today's price.
Multi-policy and household discounts some carriers offer.
Original Medicare means no networks or referrals, as long as your provider accepts Medicare.
Reviewed alongside your Supplement, since Medigap doesn't include drug coverage.
How much out-of-area or nationwide coverage actually matters for you.
Balancing premium against predictability in your out-of-pocket costs.
Whether an Advantage plan might actually serve you better instead.
This is the exact process our licensed advisors run for every client — free, whether or not you ever enroll through us.
Claim My Free BlueprintIncluded In Your Blueprint — $0
"If we run the numbers and Medicare Supplement isn't your best move, we'll say so — out loud, no pitch attached. You keep the comparison either way. Zero cost. Zero obligation. Zero hard feelings."
Close this tab and hope you remember before your window closes — or spend 5 minutes now and walk away knowing exactly where you stand, guaranteed approval and all.
Your window is set by federal law, not by us — it doesn't wait for either choice.
