When should I apply for MyBlueSM Medigap?
Who is this for?
If you're interested in applying for a MyBlue Medigap plan, also known as a Medicare supplement plan, this explains how when you apply affects your eligibility and how much you'll pay.
Knowing when you're eligible for Medicare is important. The same is true for Medigap plans, which are also known as Medicare supplement plans.
You can apply for these plans if you:
- Are enrolled in both Medicare Part A hospital and Part B medical insurance.
- Live in Michigan for at least six months of the year.
If you’re under 65, you can only get Plan A or Plan C if you’ll no longer be insured because you’ve become eligible for Medicare or you’ve lost your coverage under a group policy after becoming eligible for Medicare. You’ll need to meet these requirements and apply for these plans.
Applying for these plans isn't restricted to certain times of the year like Medicare Advantage plans. So you can apply whenever you meet all the requirements above.
But the best time is during a special enrollment period. You may also see this called a guaranteed issue period. We'll explain what that is and help you figure out when you're eligible.
Why special enrollment periods matter
When you apply for these plans outside of a special enrollment period, we use medical underwriting to process your application. That means certain factors may affect your monthly premium and whether you're approved.
When you apply for these plans inside a special enrollment period, we don't use medical underwriting. We show you the differences here so you can see why special enrollment periods matter.
|Special enrollment period||Outside||Inside|
|Your application can be turned down because of your age.||Yes||No|
|Your application can be turned down because of your health.||Yes||No|
|Your premium is based on whether you use tobacco.||Yes||No|
|Your premium is based on your health status or medical condition.||Yes||No|
|Your premium is based on your gender.||Yes||Yes|
|Your premium is based on your age.||Yes||Yes|
|Your premium is based on where you live.||Yes||Yes|
Are you 65 or older?
Your special enrollment period is the six months after you sign up for Original Medicare Part B.
Did you lose the plan you had?
Losing a Medicare Advantage or Medigap plan you had can make you eligible for a special enrollment period. Reasons this might happen include:
- You moved out of your Medicare Advantage plan's service area.
- The employer or group sponsoring your plan stopped offering it.
- Your health insurance company stopped offering your Medicare Advantage plan where you live.
- Your health insurance company discontinued the Medicare Advantage plan you had.
- Your health insurance company went out of business.
In most of these cases you'll be eligible for a special enrollment period of up to 123 days. This is usually 60 days before the date your previous plan ended or you received notice your plan was ending, and 63 days after.
Not all of these plans are available under these circumstances. Learn more about exact dates, your eligibility and your plan choices by reading What's a special enrollment period?