If you already have a Medigap Plan then you don't have to wait for any special enrollment period to look at other plans. You can switch plans anytime of the year it benefits you. One of the many great things about Medigap Plans. This is very commonly misunderstood because of all the advertising that is done in the fall leading people to believe they can only change their Medigap Plan during that time.
If you are turning 65 and signing up for Medicare Part B for the first time then you get a one time "open enrollment period" for 6 months. This means the agent will not need to complete any of the health questions on the application and there is basically no underwriting to go through.
I would be happy to answer any other questions you have.
Under Federal law when you first enroll in Medicare Part B at age 65 or older, you have a guaranteed right to buy a Medicare Supplement policy for six months. Your acceptance is guaranteed and pre-existing health conditions are covered immediately. After your Open Enrollment period is over you can apply for a Medicare Supplement later at any time, but you may be charged a higher rate or be denied coverage if you have serious health conditions. This may be your only chance to get a Medicare Supplement without having to go through medical underwriting. It is very important that you choose wisely during your Open Enrollment Period because the wrong Medicare Health Plan could end up costing you thousands of dollars for Medicare approved services and may keep you from seeing the doctors and hospitals you want to go to.
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If you are turning 65 and signing up for Medicare Part B for the first time then you get a one time "open enrollment period" for 6 months. This means the agent will not need to complete any of the health questions on the application and there is basically no underwriting to go through.
I would be happy to answer any other questions you have.