Under federal law, the Med Sup open enrollment period is defined as:

The Med Sup open enrollment period is a crucial time for individuals who are 65 years or older and are enrolled in Medicare Part B. During this period, which spans the first 6 months after a person turns 65 and becomes eligible for Medicare Part B, they have the right to enroll in any Medicare Supplement insurance plan without facing medical underwriting. This means they cannot be denied coverage based on pre-existing conditions, and they will not be subject to higher premiums based on health status.

This period is significant because it provides beneficiaries the opportunity to secure the coverage they need without financial or health-related penalties. Being informed about this open enrollment window allows beneficiaries to make the best choice for their healthcare needs and financial situation during a time when they have the most favorable terms for enrollment. Understanding that the open enrollment period is specifically tied to being both 65 or older and enrolled in Part B is essential for anyone navigating Medicare options.