When does Medicare Supplement Open Enrollment occur?

The correct timeframe for Medicare Supplement Open Enrollment occurs during the first six months after enrolling in Medicare Part B. This period is critical because it allows beneficiaries to get a Medicare Supplement (Medigap) plan without facing medical underwriting, meaning they cannot be denied coverage based on pre-existing health conditions.

The importance of this six-month window lies in the protections and options available to new beneficiaries. During this time, individuals can enroll in any Medigap plan offered in their state, with guaranteed issue rights, which ensures they will not be charged higher premiums due to health issues. This initiative is designed to safeguard seniors' access to supplemental insurance that can help cover costs not included in Original Medicare.

Other options do not accurately describe the Open Enrollment period for Medigap: the first three months after turning 65 refers to initial enrollment in Medicare itself, not specifically Medigap; the annual enrollment period (October 15 to December 7) is for Medicare Advantage and Part D drug plans, not for Medigap; and the three months before and after turning 65 pertains to general Medicare enrollment, lacking the focused context of Medigap enrollment.