The process to apply for supplemental health insurance is quite simple. First, you will need to figure out what kind of supplemental health insurance you want:
Once you have decided on which (if any) gap insurance plan you want, all you have to do is compare supplemental insurance quotes and enroll in the plan that makes most sense to you.
The process for enrolling in Medigap is the same as the one for non-Medicare supplemental health insurance. However, you will only have guaranteed enrollment if you apply during open enrollment (3 months before and after your 65th birthday). If you apply outside open enrollment, you may be denied for pre-existing conditions or your premiums may be higher.
No matter what kind of plan you are looking for, be sure to weigh the cost of the policy with your expected expenses. A gap plan will bring you the most value if you have a high deductible on your primary insurance and need an extra safety net.