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Your Medicare Supplement (Medigap) Open Enrollment Period is a time when you can enroll in any Medigap policy. Insurance companies can't use medical underwriting to deny your application or charge you a higher premium.

Your Medigap Open Enrollment Period starts on the first month you have Medicare Part B and you're at least 65 years old. You only get one Medigap Open Enrollment Period, and it doesn't repeat each year.

If you miss your Medigap Open Enrollment
Period, you may not be able to enroll in a Medigap policy, or it may cost more. This is because insurance companies can use medical underwriting in your application process. In certain situations, you may be able to apply without medical underwriting if you have what are called guaranteed issue rights or Medigap protections.

You can use the Medicare Plan Finder tool on the official Medicare website to compare plans based on coverage, costs and other factors. You can also call a Medicare-licensed insurance agent who can help answer your questions about Medicare eligibility and enrollment.