The Medigap Open Enrollment Period is a 6-month period that begins the month you turn 65 AND are enrolled in Medicare Part B. During this period, you have guaranteed issue rights — insurers cannot deny coverage, charge more, or impose waiting periods based on your health. This is the best time to enroll in Medigap.
Key Points
- Medigap Open Enrollment Period: 6 months starting when you turn 65 AND enroll in Part B
- Guaranteed issue rights: cannot be denied coverage or charged more based on health
- Best time to enroll in Medigap
- After OEP: medical underwriting may apply
- An independent agent can help you compare all Medigap plans during your OEP