Anyone with Medicare Parts A and B can purchase a policy, but guaranteed benefits are only available to those 65 and older who purchase policies within a certain time frame.
No, it's not real. The open enrollment period for Medicare supplemental insurance (which runs from October 15 to December 7) does not extend to Medigap supplemental insurance.
Medigap is a form of private insurance that pays for out-of-pocket costs not covered by Original Medicare. (If you're under 65 and have Medicare because of a disability, see the next question in this section; the rules are different for you.)
Your insurer should give you a monthly statement outlining the overall out-of-pocket expenses for covered prescription medications, as well as whether that number puts you in or brings you out of the coverage gap.
