Deadline
Plan dropped? A separate 63-day clock starts for Medigap without health questions
If your Medicare Advantage plan leaves Medicare or stops giving care in your area, you can buy a Medigap policy without medical underwriting. You can apply from 60 days before your coverage ends to 63 days after. You only get this right if you switch to Original Medicare. Outside this window, an insurance company can deny you based on your health.
- Who it covers
- Everyone
- Official source
- Medicare.gov (Choosing a Medigap Policy)
- Checked on
- November 12, 2026. We opened the official page and confirmed the wording and every number.
No more than 63 days after your Medicare Advantage Plan coverage ends.
What to do
- Mark the date on the calendar today.
- Read the official page below. It says who this covers and what to do.
- If a person or a website asks for a fee to help, stop. The official office does not charge.