MEDIGAP (MEDICARE SUPPLEMENT) PLANS enrollment process The enrollment process for Medicare Advantage (Medicare Part C) and Medigap (Medicare Supplement) plans differs, and it’s important to understand the specific steps and timing for each type of plan. 3. GUARANTEED ISSUE RIGHTS Some situations may grant you guaranteed issue rights, which allow you to apply for a Medigap plan without medical underwriting. These rights can arise from specific events, such as losing employer or union coverage, moving to a new area, or a plan change or termination. 4. ENROLLMENT PROCESS: To enroll in a Medigap plan, you should: o Contact Medigap insurance companies in your area and request quotes for the plan you’re interested in. o Choose a plan that suits your needs and budget. o Complete the application provided by the insurance company. o Wait for approval and receive your Medigap policy If you miss your Open Enrollment Period, you can apply for a Medigap plan at any time, but you may be subject to medical underwriting. Insurance companies can consider your health status and may charge higher premiums based on your medical history. 1. OPEN ENROLLMENT PERIOD (OEP): The best time to enroll in a Medigap plan is during your six-month Medigap Open Enrollment Period, which begins on the first day of the month in which you are both 65 or older and enrolled in Medicare Part B. During this period: o You have guaranteed issue rights, meaning insurance companies are generally required to accept you, regardless of your health status o You won’t be charged higher premiums based on pre-existing conditions. o You can choose from any available Medigap plan in your area. 2. OUTSIDE OF OPEN ENROLLMENT:
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