How often can individuals typically apply for a Medigap policy!

Individuals can typically apply for a Medigap policy once a year during their open enrollment period. This open enrollment period usually begins when they are 65 years old and enrolled in Medicare Part B, lasting for six months. During this time, they can purchase any Medigap policy without medical underwriting, which means they cannot be denied coverage or charged higher premiums based on their health status.

Outside this initial open enrollment period, individuals might be able to apply for a Medigap policy, but they could face medical underwriting, which might increase premiums or result in denial of coverage based on pre-existing conditions. Thus, the structured annual open enrollment period is critical to ensure individuals have access to coverage without such restrictions.