Medigap Enrollment

The Medigap open enrollment period starts on the first day of the month in which an individual is both age 65 and enrolled in Medicare Part B. The open enrollment period lasts 6 months. During this period, insurance companies can’t deny people with Medicare coverage due to past or present health problems.

After a person’s open enrollment period ends, Medigap insurance companies may use their health history to decide if they can buy a Medigap policy and how much they may have to pay for the policy.

People have guaranteed issue rights in some situations. This means insurance companies must offer certain Medigap policies even if the person has health problems.

In most cases, if people drop their Medigap policy, they can’t get it back without going through medical underwriting.