Can Medigap Insurance Be Denied? 
If you 're applying for a Medigap plan outside of your initial open enrollment period , you can be denied for coverage depending on your health history and responses to the health questions on the application . The best time to apply for a Medigap plan is during your initial open enrollment period because you can apply for any Medigap plan from any carrier and you can not be denied for coverage due to any pre-existing conditions or other health-related illnesses . The initial open enrollment period is a 6-month window that starts from your Medicare Part B effective date . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much . 