When does Medicare Supplement Open Enrollment occur?

• A. During the first 6 months a consumer is 65 or older and enrolled in Medicare Part B.
• B. During the annual Medicare renewal period in December.
• C. Anytime after turning 65 if enrolled in Part B.
• D. Only during the first year of Part B enrollment.

Answer: (A)

Medigap open enrollment is a six‑month guaranteed issue window that begins the month you are both 65 or older and enrolled in Medicare Part B. During this period you can purchase any Medigap policy offered in your area without medical underwriting, and insurers can’t deny coverage or load up premiums for health conditions you have. This makes the initial six months after you turn 65 and enroll in Part B the best and most important time to enroll. If you miss this window, later enrollment can involve medical underwriting and eligibility rules that may limit your choices or increase costs. The December Medicare renewal period and enrolling after the initial six months are not the same as this guaranteed issue period.