Medicare Supplement Eligibility
Find out when you're eligible for a Medicare Supplement insurance policy and how to apply.
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Am I eligible for Medicare Supplement?
Once you are 65 or older and enrolled in Medicare Part B, you can apply for a Medicare Supplement insurance policy. Medicare Supplement plans may also be available to you in some states if you’re younger than age 65 and eligible for Medicare due to disability.
When can you enroll in Medicare Supplement?
This short video explains how Medicare Supplement enrollment works, how you may qualify, and when open enrollment begins and ends. (Length: 00:01:45)
When can I apply?
You can apply for a Medicare Supplement policy any time. During your open enrollment period, you are guaranteed Medicare Supplement coverage. When applying outside of your open enrollment period, there may be limits based on your previous health history or medical conditions and you could be denied acceptance.
Medicare Supplement open enrollment is a 6-month period during which you can buy any Medicare supplement policy sold in your state, even if you have pre-existing health conditions—you cannot be denied coverage during this period. This starts on the first day of the month after:
- You're 65 (or older) and
- You’re enrolled in Medicare Part B (Medical Insurance)
You may have additional guaranteed issue enrollment periods in your state.
Retiring at 65?
Say you turn 65 on September 9. You’ve applied for Medicare Part B, and your coverage is scheduled to start on September 1. Your open enrollment period for Medicare Supplement insurance would start on September 1, as soon as your Medicare Part B kicks in.
Not retiring until later?
Say you’ve already turned 65, but you’re still working and receiving health care insurance through your employer. At age 68, you decide to retire and enroll in Medicare Part B because you no longer have insurance through your employer. Your open enrollment period for Medicare Supplement insurance would begin the first day of the month your Medicare Part B insurance becomes effective.
When can I switch plans?
You can choose a Medicare Supplement plan from a different company at any time after your open enrollment period. Because the government decides what benefits each Medicare Supplement plan offers, you can change companies and still keep the same plan. This includes the same basic benefits you have now with your current Medicare Supplement plan.2
Questions about special situations?
You may have questions about specific situations, such as disability or existing health conditions. Contact us at
Explore Medicare Supplement Plans
Medicare Supplement Plan G
Ideal for customers looking for extensive coverage, and a lower premium.
Medicare Supplement Plan N
Lower monthly premium, and predictable out-of-pocket costs.
Medicare Supplement Plan A
A little extra cost protection, beyond what Original Medicare covers.
Medicare Supplement Plan F
Extensive coverage and the lowest out-of-pocket costs.3
Medicare Supplement High Deductible Plan F
Same coverage as Plan F, but you pay the calendar year deductible.3
Medicare Supplement Plans Available to Minnesota Residents Compare Medicare Supplement Plans
1 Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company, Loyal American Life Insurance Company or Cigna National Health Insurance Company. In Kansas, insured by Cigna National Life Insurance Company, Cigna Health and Life Insurance Company and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas. In Pennsylvania, Maryland North Carolina and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In New Mexico, Idaho and Ohio, insured by Cigna Health and Life Insurance Company.
2 Plans may be subject to medical underwriting, and coverage may be denied.
3 Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: CNHIC-MS-AA-A-TN; Plan F: CNHIC-MS-AA-F-TN; Plan G: CNHIC-MS-AA-G-TN; Plan N: CNHIC-MS-AA-N-TN.
When can you enroll in Medicare Supplement?
Online Enrollment Discount
State variations apply. Discount not available in CT, DC, FL, ID, MA, MN, NE, NJ, NY, OH, OR, VA. To qualify for the online discount, you must be a new Medicare Supplement policy holder with Cigna*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at
State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
*Insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, American Retirement Life Insurance Company, and Loyal American Life Insurance Company.
Customer Plan Links
Other Cigna Websites
Medicare Advantage Policy Disclaimers
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All clinical products and services of the LivingWell Health Centers are either provided by or through clinicians contracted with HealthSpring Life & Health Insurance Company, Inc., HealthSpring of Florida, Inc., Bravo Health Mid-Atlantic, Inc., and Bravo Health Pennsylvania, Inc. or employees leased by HS Clinical Services, PC, Bravo Advanced Care Center, PC (PA), Bravo Advanced Care Center, PC (MD) and not by Cigna Corporation. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.
Cigna contracts with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in Cigna depends on contract renewal.
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Minnesota, Missouri, North Carolina, North Dakota, Oregon, Virginia.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by Cigna National Health Insurance Company, Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
American Retirement Life Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company do not issue policies in New Mexico.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.