Choosing a Medicare Supplement plan—also known as Medigap—may feel like just another checkbox when you turn 65, but timing is everything. Many Arizona seniors don’t realize there’s a one-time window that protects them from higher costs and denial of coverage. Miss it, and insurers can legally charge more or even reject your application based on your health. That’s where the real financial risk begins, especially for retirees managing fixed incomes. Here’s how the Medigap guaranteed issue window works, and how it could save you thousands over the course of retirement.
