What is the duration of the Open Enrollment Period for Medigap plans?

The duration of the Open Enrollment Period for Medigap plans is six months. This period begins the month an individual turns 65 and is also enrolled in Medicare Part B. During these six months, individuals have the right to purchase any Medigap policy sold in their state, regardless of their health status. This is a crucial time because it guarantees that applicants cannot be denied coverage or charged higher premiums due to pre-existing conditions.

This six-month window is designed to ensure that seniors have access to supplemental health insurance without facing barriers often associated with medical underwriting outside of this period. Understanding this timeframe is essential for anyone entering the Medicare system, as the choices they make during this period can have lasting effects on their health care coverage and financial well-being.