Yes, you can join at any time. However, if you enroll outside your Medigap OEP, you will have to answer health questions and have to go through medical underwriting during the application process. A carrier can deny you coverage due to health issues or pre-existing conditions if you apply outside your Medigap OEP.
Medicare Enrollments Periods
Can I enroll in Medicare Supplement (Medigap) outside the Medigap Open Enrollment Period (OEP)?
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When will I enroll in a Prescription Drug Plan (Part D) or a Medicare Advantage Plan (Part C) if I missed my Initial Enrollment Period (IEP)?