When to Enroll in Medigap

Most states have a six-month open enrollment period, but as a New York resident, you can take advantage of the state's continuous open enrollment. You're also entitled to obtain a Medigap policy without being subject to medical underwriting. In other words, the insurance companies cannot ask you intrusive questions about your health status, medical history, or claims experience to determine your eligibility or calculate your monthly premium. For this reason, New York is known as a guaranteed-issue state when it comes to Medicare supplemental insurance.

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