The Initial Open Enrollment Period is a six month period beginning the month you enroll in Part B during which you can buy any Medigap supplemental insurance plan you want. If you are 65 or older, you are guaranteed this enrollment period in all states. Only a few states extend this enrollment period to people who are under 65. If you enroll during this time, the insurance company cannot

  • deny you Medigap coverage or make you wait for coverage to start; or
  • charge you more for a policy because of past or present health problems.
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