Under what condition can an individual enroll in a Medigap policy?

An individual can enroll in a Medigap policy within six months of turning 65, which is known as the Medigap Open Enrollment Period. This is a critical window because it provides guaranteed issue rights, meaning that the individual cannot be denied coverage or charged higher premiums based on health status or pre-existing conditions during this timeframe.

Once this six-month period ends, the ability to enroll may become subject to medical underwriting, which could result in denial of coverage or higher costs based on health conditions. Therefore, it's essential for individuals to take advantage of this open enrollment period to secure a Medigap policy without the risk of being turned away due to health issues. This ensures access to necessary supplemental coverage that can help cover costs that Original Medicare does not, providing financial security and peace of mind.