Final answer:
The client's Open Enrollment for Medigap is triggered by the Initial Enrollment Period (IEP), which is a seven-month period that starts three months before turning 65 and lasts three months after. During this period, individuals can enroll in a Medigap plan without being subject to medical underwriting.
Step-by-step explanation:
Open Enrollment for Medigap is triggered by a specific event known as the Initial Enrollment Period (IEP). The IEP is a seven-month period that begins three months before the month a person turns 65 and ends three months after the month they turn 65. During this time, individuals can enroll in a Medigap plan without being subject to medical underwriting, meaning they cannot be denied coverage or charged higher premiums based on their health status.
For individuals who are younger than 65, there may be different triggers for Open Enrollment, such as the loss of employer-based coverage or the termination of a Medicare Advantage plan. It's important to consult with a Medigap insurance provider or Medicare representative to understand the specific triggers and enrollment periods for your situation.