Medigap Open Enrollment

You have a 6-month Medigap Open Enrollment Period, which begins when both of the following are true:

• Your Medicare Part B coverage is effective, and

• You are 65 or older.

During this time, you can enroll in any Medigap policy, and insurance carriers cannot deny you coverage or charge more due to pre-existing health conditions.

After this enrollment window ends, you may face higher costs or may not be able to purchase a Medigap policy at all.

Important:

• This is a one-time enrollment period. It does not repeat annually like the Medicare Open Enrollment Period (OEP).

• No action is required to keep your Medigap policy from year to year, just continue paying your premium. If your policy lapses due to nonpayment and too much time passes, it may not be reinstated. In that case, you could be required to go through medical underwriting to obtain coverage again.