Updated for plan year 2026 on 2026-07-25
When can I buy Medigap without health questions?
Medigap guaranteed-issue and open-enrollment rights depend on timing, state rules, and qualifying events. Missing a protected window can make later Medigap enrollment harder or more expensive.
What to check before you choose
Medicare choices depend on your dates, county, prescriptions, doctors, pharmacies, and how much risk you are comfortable carrying during the year.
- Confirm the beneficiary's Medicare effective dates, county, prescriptions, doctors, and coverage goals.
- Separate general education from plan-specific recommendations and document consent before marketing discussions.
- Check current plan-year rules, premiums, formularies, pharmacy pricing, networks, and enrollment-window eligibility.