Your Medigap Open Enrollment Window
You have a 6-month window starting the month you're both 65+ and enrolled in Part B during which you can buy any Medigap plan sold in your state with no medical underwriting, regardless of health conditions.
Guaranteed Issue Rights
Outside that window, certain situations — like losing employer coverage or your Medicare Advantage plan leaving the area — can trigger guaranteed issue rights, letting you enroll without underwriting.
When Underwriting Applies
Outside your initial window and without a guaranteed issue right, carriers may ask health questions and can decline coverage or adjust pricing based on your answers.
Key Takeaways
- Your 6-month Medigap Open Enrollment window guarantees acceptance regardless of health.
- Guaranteed issue rights can apply outside that window in specific situations.
- Outside both, medical underwriting may affect your ability to enroll or your price.
Underwriting and guaranteed issue rules vary by state. Confirm your specific rights with a licensed advisor before changing coverage.
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