October 15–December 7 is not a universal enrollment window
Medicare’s annual open enrollment period allows eligible people to make certain Medicare Advantage and Part D changes, generally effective January 1. It does not create a universal right to buy a Medicare Supplement policy without underwriting.
Medigap has a different starting point
Your six-month Medigap Open Enrollment Period generally starts the first month you are 65 or older and enrolled in Medicare Part B. During this period, federal protections affect your ability to buy available Medigap coverage. Other guaranteed-issue rights or state protections may apply in certain circumstances.
Check prescriptions separately
Modern Medigap policies do not include Medicare Part D prescription drug coverage. If you want drug coverage, discuss separate Part D options and review your medications and pharmacy against the actual plan details through an appropriate secure process.
Ask before you make a change
Before dropping or replacing coverage, talk through your eligibility, effective dates and possible underwriting requirements. Bates is an independent insurance brokerage, not a government agency. For official information and all Medicare options, visit Medicare.gov or call 1-800-MEDICARE.
This guide is educational, not a coverage determination or individualized legal, tax or Medicare advice. Policy terms and eligibility control.
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