What Is Medigap Open Enrollment Period? 
If you are new to Medicare and in your Initial Enrollment Period you are also in your Medigap Open Enrollment Period . This is a one time event that lasts for 6 month . It begins the first day of the month in which you turn 65 or older and are enrolled in Medicare Part B . During this time you can purchase any Medigap Plan an insurance company offers in your state without answering any medical questions . Not knowing what your health may be in the future , It 's a great time to get Medigap . The Annual Election Period -LRB- Oct 15 through Dec 7 -RRB- is a time for you to change your Prescription Drug Plan -LRB- Part D -RRB- . You do not have to make any changes to your Medigap Plan . Medigap Plans are guaranteed renewable . As long as you make your premium payments , the plan is yours to keep . If you want to apply for a new Medigap plan or replace an existing plan outside of your initial Open Enrollment period , you 'll have to answer health questions . The good news is that insurance companies each have their own set of unique medical questions . I 've seen insulin dependent diabetics get declined with one company but offered a policy with another . 