什麼時候可以得到Medigap計劃？
什麼時候可以得到Medigap計劃？
 You can apply for a Medigap plan up to 3 months before your Medicare Part B effective date - you must have both Medicare Part A & Medicare Part B to buy a Medigap plan. Once you have an established Medicare Part B effective date, you will have a 6-month open enrollment period to buy any Medigap plan from any carrier with NO medical underwriting. After this point, you can buy a new Medigap plan whenever you would like (there are no annual enrollment periods for Medigap plans), however, you would have to go through medical underwriting if you don't qualify for a special enrollment period or a guaranteed-issue right. The best overall time to buy will be your initial open enrollment period when you're new to Medicare and just starting Part B coverage. Determining which Medigap plan is right from you and which carrier to apply for the plan through can be a bit more involved than some may realize. It's not all about price as some may believe. You need to look at the carriers' premium rating methods (community, attained, or issue age rated), their rates, their rate increase history, their service history, and other factors. It's best to consult with an experienced Medigap broker who can help you determine which plan and carrier will be most suitable to your desires, needs, and budget. I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs, including providing quotes and plan comparisons, and if you have any other questions. Thanks very much.
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