Enrollment Windows

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Moving States What Happens To Your Plan

Medigap is the most portable Medicare product — your policy travels with you to any state. But the destination state’s...

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Part B Late Enrollment Penalty

The Part B late-enrollment penalty is permanent: 10% of the standard premium for every full 12 months you delay without...

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Trial Right From Medicare Advantage

The trial right is a federal escape hatch: try a Medicare Advantage plan at 65, dislike it, and return to...

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Switching Carriers Later Underwriting

Switching Medigap carriers after your first year almost always means answering health questions again — the letter stays standardized, but...

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Guaranteed Issue Rights

Guaranteed-issue rights force carriers to sell you Medigap without underwriting in specific federal situations — and some states add more....

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Medigap Open Enrollment Six Months

The Medigap Open Enrollment Period is the single most powerful window in the product: six months from your Part B...

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Initial Enrollment Period 7 Months

Medicare’s Initial Enrollment Period is seven months: three before your 65 birthday month, your birthday month, and three after —...