Medicare Supplement Plan N

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The best time to enroll in Medigap Plan N is during your Medigap Open Enrollment Period, which is the six-month period that automatically starts on the first day of the month that you are both 65 or older and enrolled in Medicare Part B. During this time, you have the guaranteed-issue right to enroll in any Medigap plan available in your service area, regardless of any pre-existing conditions or disabilities you may have. Insurance companies aren’t allowed to reject you based on your medical status or charge you more if you have health problems. After your Medigap Open Enrollment Period is over, you may have more difficulty enrolling in a Medicare Supplement plan (or switching plans) if you have health problems. Insurance companies are also allowed to use medical underwriting after this period and may charge you higher premiums based on your health status. You may also be denied coverage entirely due to your health status.
Source: the official U.S. government site for Medicare

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What’s Medicare Supplement Insurance (Medigap)?

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

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