When does the Medicare supplement open enrollment period occur?

The Medicare supplement open enrollment period begins by federal law during the first six months after a person turns 65 and is enrolled in Medicare Part B. This period is crucial because it allows individuals to purchase a Medigap policy without the risk of being denied coverage or charged higher premiums due to pre-existing health conditions.

During this six-month window, companies cannot impose medical underwriting restrictions, ensuring fair access to supplemental coverage. This provides peace of mind to those who are newly eligible for Medicare, as it guarantees the ability to obtain supplemental insurance to help cover costs that Medicare does not. Understanding the timing of this enrollment period is essential for beneficiaries to maximize their healthcare options.

The other choices may include references to related timeframes for Medicare enrollment but do not precisely capture the legal definition of the Medigap open enrollment period as outlined in federal regulations.