The Initial Open Enrollment Period is a six month period beginning the month you enroll in Part B during which you can buy any Medigap supplemental insurance plan you want. If you are 65 or older, you are guaranteed this enrollment period in all states. Only a few states extend this enrollment period to people who are under 65. If you enroll during this time, the insurance company cannot

• deny you Medigap coverage or make you wait for coverage to start; or
• charge you more for a policy because of past or present health problems.