Which statement is true about Medicare Supplement Open Enrollment?

• A. It occurs every year on January 1
• B. It applies only to those under 65
• C. It begins when the consumer enrolls in a Medicare Part D plan
• D. It is the 6-month period that starts the month the consumer is 65 or older and is enrolled in Medicare Part B

Answer: (D)

Medicare Supplement Open Enrollment is the six-month window when you have guaranteed issue rights to buy a Medigap policy. It begins the month you turn 65 or older and are enrolled in Medicare Part B. During this period, insurers must sell you a Medigap policy without medical underwriting, regardless of your health, and must offer the plans available in your state. If you miss this window, you may face underwriting or higher premiums, and some plans may not be available. It doesn’t depend on Part D enrollment, and it doesn’t occur every January 1 or only apply to those under 65.