There are six coverage gaps that could easily result in large medical bills. If you decide to stay in Original Medicare, you will either need to be prepared to pay these costs out of your own pocket or purchase a Medigap policy designed to fill in these gaps. You have a six-month period that begins on your Part B effective date when you are granted a once in a lifetime right to buy any Medigap policy sold in your state, regardless of your health status. This means that during this six-month window, the insurance company cannot turn you down or even ask you any qualifying health questions. But after this once in a lifetime window passes, insurance companies do not have to offer you a plan or accept you as a customer. In this lesson’s seven-minute video you will learn more about these gaps and what you can do to fill them.