Medigap Enrollment Period

The Medigap Enrollment Period is your VIP pass to secure the best possible supplemental coverage. This crucial six-month window begins the month you turn 65 and are enrolled in Medicare Part B. It’s your golden opportunity to get any Medigap policy sold in your state, regardless of your health status.

During this period, insurance companies can’t use medical underwriting to decide whether to accept your application. This means they can’t charge you more or deny you coverage based on pre-existing conditions. It’s like having a ‘get out of jail free’ card for any health issues you might have!

If you miss this initial enrollment period, you can still apply for a Medigap policy later. However, insurance companies may then consider your health status when deciding whether to offer you coverage and at what price.

There are some special situations where you might get another chance at guaranteed issue rights for Medigap policies. These include losing other health coverage or moving out of your plan’s service area.

It’s crucial to time your Medigap enrollment right. If you delay enrolling in Part B because you have other coverage (like through an employer), your Medigap Open Enrollment Period won’t start until you sign up for Part B.