In the majority of states*, your open enrollment will begin six months before the first day of your 65th birth month. This is when your Medicare Supplement application can be submitted. You can, however, begin researching potential plans and carriers even earlier. In fact, it is highly recommended that you do in order to gain a full working knowledge of Medicare and your potential secondary insurance options prior to making any decisions.
*Connecticut and Wisconsin Residents: Your Medicare Supplement enrollment period begins three months before your 65th birth month. However, you can and should begin your research earlier.