Applying for Medicare Supplement insurance
Once you're enrolled in Medicare Parts A and B, you can apply for a Medicare Supplement (Medigap) insurance plan.
The best time to buy a Medicare Supplement plan is during your six-month Medigap Open Enrollment Period (OEP). This starts the first day of the month in which you are age 65 or older and enrolled in Part B. During this six-month OEP, you are guaranteed acceptance — meaning you have a right to buy any Medicare Supplement plan sold in your state.*
There may be other situations in which you may be guaranteed acceptance. For example, if you’ve delayed retirement and are enrolling in Medicare beyond your 65th birthday, or if coverage from another Medicare plan is being canceled, to name a couple.
How do I apply for a Medigap plan?
There are two different ways to apply for a plan: online or by phone. Choose the option that works for you.
Online
You can apply for an AARP Medicare Supplement Plan online. It’s easy, secure and available anytime. To begin, enter your ZIP code.
Over the phone
What do I need to apply?
- You'll need the information found on your Medicare card, like your Medicare number. (You need to have Medicare Parts A and B to apply for a Medicare Supplement plan.)
- Other insurance provider information, if applicable (current employer insurance card, Medicare card, or other Medicare Supplement coverage card).
- AARP membership number (if you are not an AARP member, you'll have the opportunity to join during the application process).
- Medicaid information, if applicable.
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Make an appointment with a licensed insurance agent in your area.
Get a Free Decision Guide
The Decision Guide provides you with information about AARP Medicare Supplement Plans.
* In New York, Open Enrollment and Guaranteed Issue is ongoing and Medicare supplement plans are guaranteed available.
View Important Disclosures Below
AARP endorses the AARP Medicare Supplement Insurance Plans. Insurers of the Plans pay royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
You must be an AARP member to enroll in an AARP Medicare Supplement plan. If you are not a member, you can join AARP for just $20.00 a year.
Insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except ND, NY) or UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 (available in AR, AZ, IL, IN, KS, MS, NC, ND, NJ, OH, OK, PA, SC, TN, TX) or UnitedHealthcare Insurance Company of New York, 2950 Expressway Drive South, Suite 240, Islandia, NY 11749 (for NY residents). Each insurer has sole financial responsibility for its products. Policy Form No. GRP 79171 GPS-1 (G-36000-4).
In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN/1-844-775-1729.
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