Question and Answer

Can my state give me more rights and protections than federal law regarding Medigap plan enrollment?

I want to enroll into a Medigap plan but I am not eligible to do so according to federal guidelines. Can my state give me more rights and protections to enroll into a Medigap?

Yes. Federal Medicare law provides a minimum set of rules regarding Medigap for people with Medicare anywhere in the country. A state can choose to offer its residents more protections and rights related to Medigap than the federal minimum. In such cases, state law supercedes federal law.

For example, federal law does not require insurance companies to sell Medigap policies to people under age 65 but some states do.

To find out what the rules are in your state, please contact your State Health Insurance Assistance Program (SHIP). For the number of your SHIP, please go to

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