Your Medigap Open Enrollment Period is the single best time to buy a plan, no medical underwriting. Here's what you need to know before it closes.
When is your Medigap Open Enrollment Period?
Your Medigap Open Enrollment Period automatically begins on the first day of the month you're both 65 or older and enrolled in Medicare Part B, and it lasts six months. This is a one-time, individual window, it's not the same as Medicare's Annual Enrollment Period in the fall. During these six months you have guaranteed issue rights: any insurer must sell you any Medigap plan it offers at its best available rate, regardless of your health history. Miss this window and you may have to answer health questions and could be charged more or declined. To confirm your exact dates, call 1-800-MEDIGAP (1-800-633-4427).
Why does this window matter so much?
During your Medigap Open Enrollment Period, insurers cannot use medical underwriting, they can't deny you, charge you more, or impose waiting periods based on pre-existing conditions. Outside this window, unless you qualify for a limited guaranteed-issue situation, carriers can review your health and may reject your application or raise your premium. That makes these six months uniquely valuable, especially if you have any health conditions. It's the one time you're guaranteed access to every plan at the best price. Because the window doesn't reopen, acting before it closes is critical. Call 1-800-MEDIGAP now to lock in your coverage while you're guaranteed acceptance.