When can an individual enroll in a Medigap plan?

Enrolling in a Medigap plan is primarily allowed during a specific window known as the Medigap Open Enrollment Period. This period begins the first day of the month in which an individual turns 65 and is enrolled in Medicare Part B, lasting for six months. During this time, individuals have guaranteed issue rights, which means they can buy any Medigap policy sold in their state without being subject to medical underwriting or higher premiums based on health conditions.

This timeframe is crucial because it provides consumers with the most favorable conditions for obtaining a Medigap plan, ensuring they cannot be denied coverage or charged higher rates due to pre-existing conditions. Other enrollment windows, such as annual enrollment periods or periods following the first year of Medicare enrollment, do not offer the same protections and may involve restrictions or additional steps, making the Open Enrollment Period essential for access to Medigap coverage.