Medicare Supplement Enrollment and Eligibility

Medicare Supplement Eligibility

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Am I eligible for Medicare Supplement?

Once you are 65 or older and enrolled in a Medicare Part B plan, you can get a Medicare Supplement insurance policy. Medicare Supplement plans are also available to you if you’re younger than age 65 and eligible for Medicare due to disability.

Video: 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: 1:45)

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.

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. 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 1 (855) 809-2148 for more information about your eligibility or when to enroll.

How do I enroll for Cigna Medicare Supplement Insurance?

To get started with enrollment just answer a few questions online and get a free quote. You will be able to compare the costs of plans on our website. Or you can call us and we can walk you through it.

Get a Free Online Quote

Find out what your monthly premium would be with Cigna's competitive rates.

Apply online and you could save 5% on your premium!

Get an online quote

Or call us at 1 (855) 891-9368, Mon - Fri 8:30 am - 8:30 pm ET

Explore Medicare Supplement Plans3

Medicare Supplement Plan G
Comprehensive coverage, after you pay the Medicare Part B annual deductible.

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
The most coverage and the lowest out-of-pocket costs.

Medicare Supplement High Deductible Plan F
Same coverage as Plan F, with a lower monthly premium. Coverage kicks in after you pay the calendar year deductible.

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. American Retirement Life Insurance Company, Cigna National Health Insurance Company, and Loyal American Life Insurance Company do not issue policies in New Mexico.

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.

View state disclosures, exclusions, and limitations

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.