Medigap Open Enrollment is different from Medicare's annual fall enrollment period. Your federal Medigap window lasts six months, starting with the first month you are both 65 or older and enrolled in Part B. It does not repeat every fall.
Work out your starting month
Check your Part B effective date on your Medicare card and the month you reach 65. If you delay Part B while working, the Medigap window can start later. Starting Part B while you still have employer insurance can start that window even if you do not buy Medigap immediately.
Why timing matters
During this protected period, health conditions cannot be used to deny you a Medigap policy offered to you or charge you more for it. Rules about waiting periods for pre-existing conditions may still need review. Afterward, options can be limited unless another protection applies.
Prepare without rushing
- Record the first and last month of your window.
- Gather your Medicare card and any notice that other coverage will end.
- Compare the same standardized policy across insurers.
- Ask about the effective date and any waiting period.
- Save your application and final policy documents.
People under 65 and those with special circumstances should check state rules. A state may offer rights beyond the federal minimum. Get help from your State Insurance Department or State Health Insurance Assistance Program if the dates or protections are unclear.
Continue with a related question
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- How to Compare Medigap Policies
- Changing Medigap: Check Your Rights Before Canceling