Once you turn 65, you have a 6 month enrollment period, when insurance companies:
a) Cannot refuse to sell you a Medigap policy;
b) Cannot charge more because of pre-existing health conditions; and
c) Cannot make you wait for coverage to start.
The 6 month enrollment period has it’s benefits, but it is not the only time you can sign up. If you are unhappy with the plan you already have, if you have the Medicare Advantage plan, or if you have never enrolled, you can always sign up for a new plan. There is a possibility that you will be limited in choosing a plan depending on what your current circumstance is, but we are here to help you find your best option.