Original Medicare covers a lot—but it doesn’t cover everything. A Medicare Supplement Insurance plan offers valuable coverage for more predictable healthcare costs. But there are specific rules about when you can enroll. Take a few minutes to learn more now so you can avoid the potential for higher costs down the road.
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If you’re 65 or older, you can enroll beginning the first month you have
If you qualify, a guaranteed issue right lets you buy a Medicare Supplement insurance policy outside of your Open Enrollment Period with no underwriting or higher premiums. For example, you may qualify if you lose other health coverage or you have a
The Medicare Supplement Open Enrollment Period begins the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B.
If you want to change to a different Medicare Supplement plan, you can apply at any time. However, if you don’t qualify for a guaranteed issue right, the plan provider may take into account your current health status when deciding whether to sell you a plan and how much they will charge you for it.
Yes, but if your initial enrollment period has passed—and you don’t qualify for a guaranteed issue right—your options may be limited. Insurance companies may consider your health status to decide if you’re eligible and may charge higher premiums or deny coverage based on preexisting conditions.1
The 6-month rule applies to your initial Medicare Supplement enrollment. If you’re 65 or older, you can enroll beginning the first month you have
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