If you're planning to purchase a Medigap policy, buying coverage at these times makes the most sense.
. Guaranteed issue rights are federal protections that prevent insurance companies from denying you a Medigap policy or charging you higher premiums based on your health status or pre-existing conditions. without undergoing medical underwriting.
The rules and protections offered during state OEPs can vary, though, so it's essential to check with your state's insurance department or a qualified insurance agent to understand the specific regulations in your area.Deciding when to buy a Medicare supplemental insurance policy depends on various factors.
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