Medigap Open Enrollment Window at Age 65: Missing It Can Lead to Denials
Turning 65 and enrolling in Medicare Part B triggers a one-time six-month window during which insurers must sell any Medigap plan without asking health questions. This guaranteed-issue period is the only opportunity for most Americans to enroll in a Medigap policy at their best available rate, regardless of pre-existing conditions. After this window closes, private insurers can legally deny applications or charge higher premiums based on an applicant's medical history in 46 states. Only Connecticut, New York, Massachusetts, and Maine offer more flexible guaranteed-issue protections beyond the initial six months. Medigap is a critical supplemental coverage for Original Medicare beneficiaries, covering deductibles, copays, and coinsurance. In 2023, about 20% of all Medicare beneficiaries had Medigap plans, with an average monthly premium around $189 at age 65 rising to roughly $238 by age 75. Missing the six-month window can result in being locked out of coverage entirely or facing higher costs due to medical underwriting.
Topics: guaranteed issue period insurance eligibility Medicare enrollment Medigap