Medigap Rules Seniors Must Follow

Medigap open enrollment lasts 6 months, starting when you’re 65+ and enrolled in Medicare Part B.
This period is usually once per lifetime, and missing it can mean fewer options later.
During open enrollment, insurers can’t deny Medigap or charge more due to pre-existing conditions.
Outside protected periods, medical underwriting can raise premiums or deny coverage, especially with serious illnesses.
Special protections include guaranteed issue rights, a Medicare Advantage trial right, and some states’ birthday or year-round rules.
I’m seeing how timing and protections shape Medigap access. Enrolling at the right moment can prevent health-based denials, while special rights and certain state rules can expand options for switching or buying later.