A man has Medicare Parts A and B through SSDI and turns 65 on September 28, 2026. When does his new Medicare Supplement Open Enrollment Period begin and end?

Question

Rodney Powell · Accepted Answer

It starts September 1, 2026, and ends February 28, 2027.

People who get Medicare early because of a disability receive a new six-month Medigap Open Enrollment Period when they turn 65, even though they already have Part B. The window opens on the first day of the month he is both 65 and enrolled in Part B. Since his birthday falls in September, that's September 1. Six full months (September through February) puts the end date at February 28, 2027.

During this window, he can buy any Medicare Supplement plan sold in his area without medical underwriting, and the carrier can't decline him or charge more for health conditions. Because he's already on Part B, he can't postpone the window, and he only gets it once.

Jeremy Harkins · Answer

If you already have Medicare Parts A and B because of Social Security Disability and then turn 65, you receive a new six-month Medicare Supplement Open Enrollment Period.

In this example, the man turns 65 on September 28, 2026 and already has Part B.

His new Medigap Open Enrollment Period begins September 1, 2026 and ends February 28, 2027.

It does not begin on his September 28 birthday. Medicare's federal Medigap Open Enrollment Period begins on the first day of the month you are 65 or older and enrolled in Medicare Part B. During this six-month window, he can buy any Medigap policy available to him without the insurance company using his health history to deny coverage or charge him more because of his health.

This is an important second opportunity for someone who originally qualified for Medicare before age 65 because of a disability. Some people had limited or expensive Medicare Supplement options while under 65, but turning 65 gives them the same federal Medigap Open Enrollment protection available to other people entering Medicare at 65.

Shawn Lee · Answer

Since he already has Parts A and B due to disability, he gets a new 6-month Medigap Open Enrollment Period when he turns 65. It starts September 1, 2026 and runs through February 28, 2027.

Galina Koval · Answer

The Open Enrollment Period begins the month of September and ends on the last day of February 2027 (a total of 6 months).

Pamela Masters · Answer

It begins the first day of the month of his birthday and ends 6 months after. 
So it would be Sept 1- February 28

Lea Vollmer · Answer

June 1 , three months before the month of his birthday 🎂 and 3 months following his birthday month.

A man has Medicare Parts A and B through SSDI and turns 65 on September 28, 2026. When does his new Medicare Supplement Open Enrollment Period begin and end?

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A man has Medicare Parts A and B through SSDI and turns 65 on September 28, 2026. When does his new Medicare Supplement Open Enrollment Period begin and end?

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