Open enrollment for Med Sup insurance usually lasts:

The correct response is that open enrollment for Medicare Supplement (Medigap) insurance typically lasts for 6 months after an individual turns 65 and is enrolled in Medicare Part B. This period is crucial for beneficiaries as it allows them to purchase a Medigap policy without going through medical underwriting, meaning they cannot be denied coverage or charged higher premiums due to pre-existing conditions during this time.

This open enrollment window starts the month that a person turns 65 and is effectively enrolled in Medicare Part B. Taking advantage of this time frame can ensure that individuals secure the coverage they need while avoiding potential obstacles that may arise later if they attempt to apply for a Medigap policy outside of this period.

The other options provided do not accurately reflect the guidelines for Medigap enrollment. For instance, open enrollment does not specifically relate to retirement, nor does it extend 12 months after turning 65 or enrolling in Part B, which are not aligned with the rules governing Medigap insurance enrollment. Understanding this enrollment period is essential for anyone planning to use Medicare Supplement Insurance to help manage healthcare costs after retirement.