The best time to purchase a Medigap policy is during your Medigap open enrollment period. This period lasts for 6 month, beginning on the first day of the month in which you’re both 65 (or older) and enrolled in Medicare Part B. Some states have additional open enrollment periods including those for people under 65. During this period, an insurance company can’t use medical underwriting. This means the insurance company can’t do any of the following because of your health problems:
*They cannot refuse to sell you any Medigap policy
*Make you wait for coverage to start (except as explained below)
*Charge additional fees for a Medigap policy