How the 6-month window works
The clock starts when two things are both true: you are 65 or older, and your Part B has started. If you delay Part B because you are covered by a current job, your Medigap window waits too.
During the 6 months, a company in Florida must accept your application and can’t charge you more because of your health.
After the window closes
There is no federal rule that a company must sell you a policy after this window. If one will, it may cost more because of past or present health problems.
Florida has no birthday rule. Outside your window, or one of the specific situations Florida recognizes, a company can medically underwrite you and can decline you. That matters most if you start with Medicare Advantage and later want Medigap.
Extra rights in Florida
Florida adds a few protections, listed in the table. Other states set their own rules, so in Georgia or Texas check with the state insurance department.
If you’re close to 65, the enrollment period finder shows when your Part B and Medigap windows open. There’s no cost and no pressure, so book a free consultation and we’ll walk through it together.
| Situation | Your right |
|---|---|
| Turning 65 with Part B | 6-month open enrollment, starting the month you are 65 and have Part B |
| Under 65 on Medicare (disability or ESRD) | 6-month open enrollment from your Part B date, and a second one at 65 |
| Group health coverage ends (65 or older) | 2-month open enrollment after the coverage ends |
| Joined Medicare Advantage at 65, left within 1 year | Any Medigap policy, no health questions |
| Any new Medigap policy | 30 days to return it for a full refund |