Medicare
When can I enroll in Medicare Supplement insurance?
The best time is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 AND are enrolled in Part B. During this window, insurers must sell you any plan at the same price as a healthy person — no medical underwriting. After this window closes, companies can use medical underwriting and may deny coverage or charge more.
Key Points
- 6-month Open Enrollment Period starts when you turn 65 AND have Part B
- During Open Enrollment: guaranteed issue — no medical underwriting
- After Open Enrollment: companies can deny coverage or charge more based on health
- Guaranteed Issue Rights also apply in specific situations
- Some states (CT, MA, NY) have year-round guaranteed issue protections
- Under 65 on Medicare due to disability: rights vary by state