• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche

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Buying Medigap before turning 65


Buying Medigap before turning 65 and why it’s a good idea.

Many states allow you to apply for Medigap insurance 6 months before your Part B effective date. For most people entering Medicare at age 65, the Part B effective date is usually the first day of your birthday month. It may seem silly to consider buying Medigap early.  But if you’re new to Medicare, there are many reasons why buying Medigap before turning 65 is a good idea.

Three reasons to get your Medicare Supplement coverage in place before turning age 65.

  1. Secure a low premium before rates increase.
  2. Put your mind at ease.
  3. Give yourself time to learn about Medicare.

Why buy Medigap early?

Insurance companies can raise premiums at any time. The quotes you receive today may not be the same in two months. Insurance companies can change premiums throughout the year. It’s not industry standard for all Medigap Plans to get a rate increase on January 1.

Applying early means you can lock in your rate. Your policy will not be active and ready to use until your Part B effective date.  

Medicare can be intimidating at first. It might be hard to believe, but Medigap insurance is one of the easiest parts of the Medicare puzzle.

However, when you’re constantly receiving information from outside sources it can be overwhelming. This, of course, can lead to anxiety and procrastination. Taking on Medicare one part at a time makes the process less stressful.

Choose your Medigap Plan and have peace of mind

You can apply for Medigap before your Medigap Open Enrollment Period starts.   

If you have a healthcare plan that ends when you turn age 65, applying early allows for continuous coverage. Buying Medigap before turning 65 is key since Medicare will begin on the first day of your birthday month.

Once you apply for a Medigap plan, you can probably toss the mail advertisements. Remember, you are trying to simplify the process and not create more stress. Which is why buying Medigap before turning 65 is a good idea.

Speaking of applying for Medigap. Be careful if you go online to find plans and rates. Some of the large carriers will offer you instant quotes and allow you to buy direct. As independent agents, we obviously don’t recommend buying direct. Mostly because it doesn’t provide you with other options.

You won’t have an advocate to look over your Medigap needs now or in the future when you buy direct. If you want someone answer all your questions at ANY TIME, then don’t buy direct. If you want someone who will review your premium annually, then don’t buy direct. Instead, work with an independent agent.

Here at REMEDIGAP.com, we answer all your questions before and after you buy a Medigap Plan. We understand that most people turning age 65 prefer to do their own research. We are here to support you without the high pressure sales tactics insurance agents are known for.

Does buying Medigap early mean you have the best plan?

Let’ say you decide to buy Medigap Plan G while in your Medigap Enrollment Period.  A couple weeks later your friend tells you he bought Plan G for $10 less a month.  

What should you do?  

First, contact your agent to verify the premium information. Next, ask some questions about the insurance company’s rate history and financial strength. Just because your friend has a lower rate for the same lettered Plan, doesn’t mean they bought the best policy.

If it looks like your friend’s plan suits you better, you can cancel your initial policy and purchase the new one. Keep in mind, this has to be done during your Medigap Open Enrollment period. After that, you can only buy a new plan if you’re approved by the insurance company’s medical underwriting department.

Learn more about Medicare and move to the next step.

Once you have a Medigap Plan in place, you can focus on your Medicare drug plan. This is an important part of completing your Medicare coverage. If you don’t secure a Part D plan, you could be subject to a late enrollment penalty. This applies to anyone who goes without Part D (Medicare Prescription Drug Plan) for a continuous period of 63 days after your Initial Enrollment PeriodYou can access Medicare’s drug plan database to compare Part D plans.

Be diligent and continue to learn about what Medicare covers so you’re not surprised down the road. A great resource is the Medicare and You handbook. Medicare will usually mail a copy to you each year. Extra copies can be requested at Medicare.gov.

Also, make sure you read all communication from Social Security. I recently had a client who was shocked by a hefty bill for her Part B premium. She didn’t realize that even though she delayed receiving her Social Security benefit, she still had to pay the Part B premium. For this reason, I can’t stress enough how important it is to read and keep all your correspondence from Social Security.

More than likely, you will have questions even after purchasing a Medigap plan. At reMedigap.com, our lines of communication are always open. Many of our clients found our website and had their questions answered before, during, and after purchasing Medigap insurance.

Buying Medigap Before Turning 65 continued below…

Buying Medigap before turing 65 why it's a good idea

What if I wait until the last minute to buy Medigap?

Our recommendation, if you’re turning 65, is to buy Medigap early. But, we know that life happens and sometimes a purchase has to be made at the last minute. We’ve helped people put plans in place the day before their Part B effective date. It can be done. But it’s always nice, if possible, to avoid putting yourself through the stress. You just never know if a glitch will come up during the application process. It’s best to give yourself a couple weeks, a month, or even more to make sure enrollment goes smoothly.  


Here at REMEDIGAP we are not employed by insurance carriers or by Medicare. We are a no fee service and provide ongoing education, rate reviews and guidance through the entire application process. Whether you know a little or a lot about Medicare, we’ll customize our approach to fit your comfort zone.

Why keep waiting? Reaching out to us is a simple way to see how we can assist you through the Medigap process.

  • Give us a call at 888-411-1329
  • Simply click on our quote form
  • Chat online or leave a message below

If you made it this far, thank you for reading Buying Medicare before Turning 65 and why it’s a Good Idea. Please leave comments below or email us at [email protected]

Additional Resources:

Confused about Medicare Coverage?

Insurance companies like Plan G and you should too

Reviewing Plan N Premiums and Benefits


Call (888) 411-1329 for your free consultation today!

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