When Is Open Enrollment For Medigap Insurance?

1. 

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   Jason Goldenzweig

   Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada

   You have an initial open enrollment period when you're new to Medicare (specifically, when you start Medicare Part B). This is a 6-month window from your Medicare Part B effective date where you can buy any Medigap plan from any insurance company with no medical underwriting.
   
   Outside of your initial open enrollment period, you can buy a new Medigap plan at any time throughout the year (which is great for trying to lower your monthly premium - and since Medigap plans are standardized, you can lower your premium without losing benefits). Medigap plans are not restricted to annual enrollment periods like MA & Part D plans are. Please note, you may have to answer health questions on the application to qualify for a new Medigap plan.
   
   I hope the information is helpful. Please feel free to contact me if you need help getting a Medigap plan set up for your Medicare insurance program or are looking to lower your monthly premium. Thanks very much.

   Answered on August 22, 2014

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2. 

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   Steve Adlman

   Owner, Alabama Medicare Plans, Birmingham, Alabama

   Medicare Open Enrollment is when you first activate your Medicare Part B coverage at age 65 or older. Once you activate your Part B coverage you have six months to enroll in any Medicare Supplement offered in your state without having to answer any health questions. Your acceptance is guaranteed and pre-existing health conditions are covered immediately.

   Answered on June 18, 2016

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