Do I need Medigap if I have Medicare Advantage?

No, Medigap supplements Original Medicare, not Medicare Advantage. You generally cannot have both.

retirement agingplanning

Turning 65 — Medicare and Insurance Planning

Quick Answer

Turning 65 means Medicare eligibility. Enroll during your 7-month Initial Enrollment Period (3 months before to 3 months after your 65th birthday month). Also consider: Medicare Supplement (Medigap) plans, Part D prescription drug coverage, long-term care insurance (rates increase with age), and reviewing your life insurance needs now that major debts may be paid off.

Last updated: June 2, 2026

Complete guide to Medicare enrollment and insurance decisions when turning 65, including Medigap, Part D, and long-term care options.

Frequently Asked Questions

You may face a 10% penalty on Part B premiums for each 12-month period you delay, and you can only enroll during the General Enrollment Period (Jan-Mar) each year.

Related Resources

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Disclaimer: This content is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Products and services mentioned may not be available in all states. All insurance products are subject to underwriting and policy terms. Consult a licensed professional for advice specific to your situation.

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