When can I enroll in a Medigap plan?

Medigap is supplemental insurance that helps cover costs Original Medicare doesn't pay, like copays and deductibles. The most important window is your Medigap Open Enrollment Period. It opens the first month you are both 65 and enrolled in Part B, and it lasts six months. During that window, any insurance company that sells Medigap in your state must sell you a policy, and they cannot turn you away or charge you more because of a health condition. That protection is called guaranteed issue rights.After that window closes, things get harder. Most insurers can ask about your health history and charge you more, or even decline to sell you a policy at all, depending on what state you live in. Utah does not have strong state-level protections beyond what federal law requires, so waiting can cost you.There are some situations where you get a special guaranteed issue right later, like if you lose employer coverage or move out of a plan's service area. But those windows are narrow, usually 63 days. If you are younger than 65 and on Medicare due to a disability, federal law does not require insurers to sell you a Medigap policy, though some may choose to. Always verify current rules and plan details directly with an insurer or a licensed agent.

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