Medigap open enrollment period lasts six months when you are 65 or older and enrolled in Part B. During this period, insurers cannot require medical underwriting.

• A. True
• B. False
• C. Only during the initial enrollment year
• D. Applies to all Medicare plans

Answer: (A)

During the six-month Medigap open enrollment period, you have guaranteed issue rights: starting the month you turn 65 and are enrolled in Part B, insurers cannot require medical underwriting and must offer you a Medigap policy without health-based denial. This window exists specifically to protect your ability to obtain supplemental coverage as you enter Medicare, regardless of health status at that moment. It applies only to Medigap policies, not to all Medicare plans like Part C or Part D, and once this period passes, underwriting can come into play for new Medigap plans.