Medicare supplemental insurance, sometimes referred to as “MediGap” policies, are designed to fill the ‘gaps’ not covered by Medicare, such as your copays and deductibles. You must have original Medicare Plans A & B, rather than a Medicare Advantage plan, to be eligible to purchase Medicare Supplements.

Depending upon your state, eligibility begins for Medicare Supplement enrollment on the first day of the month in which you will turn age 65, but you must enroll in Medicare Part B first. However, in certain states, you can buy a plan on the day you enroll in Medicare Part B, even if you are not 65 years old yet.