In New York State, all Medicare beneficiaries are eligible for continuous open enrollment for Medigap policies. This means insurance companies:
- Must sell you a Medigap policy at any time, no matter your age or health status
- Cannot deny you coverage or charge you more because of your health status
- Must sell to people with Medicare who are under 65, as well as to those over 65
Note: Some Medigap policies are issued by groups and available only to members of that group. For example, an employer may offer a Medigap plan to former employees. You may be ineligible for a specific Medigap if you are not a member of the group administering the policy.
Medigap premiums in New York are no-age-rated (community-rated). This means that your Medigap premiums vary depending on where in New York you live but are unaffected by your age or health status.