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World of Medicare

Medigap Enrollment

The Medigap open enrollment period begins 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 an individual’s open enrollment period ends, Medigap insurance companies may use a patient’s health history to decide if they can buy a Medigap policy and how much they may have to pay for the policy.

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

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