Medicare
Supplemental Insurance (MediGap):
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There are four basic ways to help fill the payment gaps in Medicare Coverage:
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Buy a Medicare Supplement Insurance Plan ("Medigap" Insurance).
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Join a Managed Care Plan (HMO) that has a Medicare contract.
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Keep coverage under an employer provided health insurance policy, if eligible.
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Qualify for state assistance in Paying part of cost, or full benefits under Medicaid.
Open enrollment:
Medicare supplements have open enrollment periods or conditions. If the conditions are met the person would be guaranteed a Medicare supplement regardless of current or past health history. If not during open enrollment then the person must meet medical underwriting standards to qualify.
Conditions qualifying for Open Enrollment:
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If you are enrolled in an Medicare HMO and you are involuntarily terminated by the HMO due to the HMO ceasing to offer the plan, your moving out of the HMO service area or insolvency of the HMO you are eligible for open enrollment.
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If you are age 65 or older, for a period of six months from the date enrolled in Medicare Part B. (You can sign up for a plan up to 6 months before turning 65, but the plan will go into effect when you are 65 and enrolled in Medicare Part B).
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If you were eligible for Part B benefits before age 65, you are eligible for a six month period when you attain age 65.
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Upon termination of group coverage, Florida residents are eligible for two months. This open enrollment period is for persons who enrolled in Medicare Part B at age 65 but remained covered under group insurance beyond the the six month open enrollment period.
Also some companies will accept applicants that are changing from one company to another without health questions. Some will also accept applicants without previous coverage with a short temporary pre-existing condition exclusion.
Guide
to Health Insurance for People on Medicare
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Medicare
Medigap U.S. Government Website
Index with Links of the U.S. Gov. Medicare Website
Instant Online Medigap (Medicare Supplement) Quote (Florida & many other states)