Your Medigap Open Enrollment Period runs 3 months before your 65th birthday through 3 months after — a 6-month window during which no insurance company can deny you coverage or charge you higher premiums based on your health. Miss this window and underwriting applies — permanently.
Start My Free Comparison Now →Insurance companies MUST offer you any Medigap plan they sell. No health questions, no denials, no waiting periods for pre-existing conditions.
After this window, insurers can price based on your health. Premiums can be 30–50% higher — or you can be denied entirely.
Missing your Medicare Part B enrollment window causes permanent premium penalties. The Medigap window is separate but equally critical.
Without Medigap, Original Medicare leaves you exposed to unlimited 20% coinsurance. One serious illness can mean $20,000+ in bills.
| Cost | Without Medigap | With Plan G (2026) |
|---|---|---|
| Part A Deductible (per hospital stay) | $1,676 out-of-pocket | $0 — Plan G covers it |
| Part B 20% Coinsurance | Unlimited exposure | $0 — Plan G covers it |
| Part B Deductible | $257/year | $257/year (only cost) |
| Hospital Days 61-90 | $419/day | $0 — Plan G covers it |
| Part B Excess Charges | Up to 15% above Medicare rate | $0 — Plan G covers it |
| Worst-Case Annual Exposure | $10,000–$50,000+ | $257 |
Apply for Medicare Parts A and B at ssa.gov/benefits/medicare. Contact T65Navigator to start comparing Medigap plans.
Choose your Medigap plan and enroll with your chosen carrier. Also enroll in Medicare Part D drug coverage.
Medicare coverage begins. Medigap coverage begins. Update all healthcare providers with your new insurance information.
Review Part D each October (Annual Enrollment Period). Check for Medigap rate savings using Florida's birthday rule.
A licensed Florida Medigap specialist will compare quotes from 20+ carriers for your ZIP code and present your best options — completely free, no obligation.
Prefer to speak with someone immediately? Call the number above. Our licensed specialists typically answer within 2 rings.
A licensed specialist will contact you within 1 business day with personalized quotes from multiple carriers.