Persons who are Initially Eligible For Coverage can buy any Medigap policy available for sale in Massachusetts anytime during their special 6-month enrollment period which starts when the event occurred. During the Annual Open Enrollment Period of February and March , any Medicare beneficiary may buy a Medigap policy. Some individuals who have been enrolled in a Medicare HMO for less than 12 months may have a special right to buy certain Medigap policies. If your retiree health plan is cancelled, you may have a right to buy a Medigap policy immediately. Some companies sell continuously throughout the year to members of their associations .
Many plans are only available through membership in the associations indicated.
Call the association s membership telephone number listed on the chart for more information about the association sponsoring Medigap insurance. Sometimes Medigap issuers that sell individual non-group policies will voluntarily stay open for any applicant continuously throughout the year. Currently, Oxford Life Insurance Company is continuously open for sale. Medigap companies must enroll beneficiaries who were enrolled in a Medicare HMO Plan or PACE Program that announced it would close and no longer provide services in the area after December 31 st .