When is Mary’s Medicare supplement open enrollment period if she turns 65 on September 23, 2019, with a Medicare Part B effective date of September 1, 2019?

The open enrollment period for Medicare supplement plans, often referred to as Medigap, is critical for individuals who want to enroll in these plans without facing medical underwriting or waiting periods due to pre-existing conditions. For someone turning 65, the open enrollment period starts on the first month they are both 65 and enrolled in Medicare Part B.

In this scenario, since Mary turns 65 on September 23, 2019, and has Medicare Part B effective from September 1, 2019, her initial enrollment period begins at the age of 65 (September 2019) and extends for six months beyond that date, concluding in February 2020. This timeframe allows her to apply for a Medigap policy with guaranteed issue rights, ensuring she cannot be turned down based on health conditions during this period.

This aligns perfectly with the provided choice indicating a range from September 2019 through February 2020, making it the correct answer. Understanding the significance of this open enrollment period is crucial for ensuring that individuals like Mary can secure Medicare supplemental coverage without potential barriers related to their health status.