Final answer:
The OE time frame for a Medigap plan is a six-month period that starts when you turn 65 and are enrolled in Medicare Part B. After this period, purchasing Medigap can be restricted or more costly.
Step-by-step explanation:
The OE (Open Enrollment) time frame for a Medigap plan is a six-month period that begins on the first day of the month in which you are both 65 or older and enrolled in Medicare Part B. During this open enrollment period, you have a guaranteed right to buy any Medigap policy sold in your state, regardless of your health status.
After this initial enrollment period, your options to buy a Medigap policy may be limited and it may cost more based on your health status. There are also specific times outside this period, called Special Enrollment Periods (SEPs), when you might be eligible to enroll in Medigap under different circumstances, such as if you move or lose other insurance coverage.