About 5 minute read
Overview
Your Medigap open enrollment period begins the first month you are both 65 or older and enrolled in Part B, and it runs for six months.
How it works
During this window a carrier cannot deny you a policy or charge you more because of your health history.
What to watch for
Once the window closes, applying usually means answering health questions, and a carrier may decline or rate the application.
What to do next
This is the single most time-sensitive item in Medicare planning, and it is why anyone turning 65 on or after October 1, 2026 should start preparing now.
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Book your free 15-min callThe information on this site is educational only and is not medical, legal, or tax advice. Medicare Supplement (Medigap) benefits are standardized where applicable, but premiums, availability, and underwriting rules vary by carrier and by state. Gilbert Services Southwest is not affiliated with or endorsed by the federal government or the Centers for Medicare & Medicaid Services. Please consult a licensed insurance professional about your individual circumstances.
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