During the Open Enrollment Period for Medigap, what right is guaranteed to applicants?

During the Open Enrollment Period for Medigap, applicants are guaranteed the right to buy Medigap regardless of their health status. This is a critical feature of the Open Enrollment Period, which typically begins when an individual turns 65 or when they first enroll in Medicare Part B. During this time, insurance companies are prohibited from denying coverage based on pre-existing conditions, using medical underwriting, or charging higher premiums due to health risks.

This provision is designed to provide individuals with access to Medigap plans that help cover costs not fully addressed by Medicare, thereby ensuring they can obtain necessary supplemental health insurance without discrimination. If someone misses this period, they may face restrictions based on their health status or may be required to pay higher premiums, emphasizing the importance of this guaranteed right during Open Enrollment.