En español | Probably one of the most critical factors is timing. You have a one-time six-month Medigap open enrollment period that starts the month of your 65th birthday and you are enrolled in Part A and Part B. During these months, you have a guaranteed right to buy any Medigap policy sold in your state regardless of your health status. You cannot be denied coverage due to a preexisting health condition. And no matter what your age or what health problem you may develop in the future, the insurer must renew the policy every year as long as you pay the premiums.
The same guaranteed rights apply if you are 65 or older and buy a Medigap insurance policy within 63 days after losing health insurance from a former employer or union (including retiree benefits or COBRA), or after moving out of your Medicare Advantage plan's service area. There are also other situations where a change in your health insurance will trigger the guaranteed rights to buy a Medigap policy.
However, people under 65 years old who have Medicare coverage due to a disability and live in almost two dozen states and the District of Columbia can be denied Medigap coverage.