When to Apply
You can apply for a Medicare Supplement policy any time, however during your Open Enrollment period, you are guaranteed Medicare Supplement coverage. When applying outside of your Open Enrollment period, you may be subject to restrictions based on your previous health history or current medical conditions, and you could also be denied acceptance.
Medicare Supplement Open Enrollment
Open Enrollment is a six-month period when you can buy any Medicare supplement policy sold in your state, even if you have pre-existing health conditions. This period automatically starts on the first day of the month that you meet both of the following two criteria:
- You're 65 (or older)
- You’re enrolled in Medicare Part B (Medical Insurance)
Retiring at age 65?
Say you turn 65 on September 9. You’ve already applied for Medicare Part B, and your coverage is scheduled to start on September 1. Your open enrollment period for Medicare Supplement insurance would begin on September 1, as soon as your Medicare Part B insurance becomes effective.
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.
After Your Open Enrollment Period
Did you know you can choose a Medicare Supplement plan from another 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 (with the same basic benefits) you have now with your current Medicare Supplement carrier.** Plus, there is no annual enrollment period, so you can change plans, or companies, at any time throughout the year.
**Plans may be subject to medical underwriting, and coverage may be denied.
Curious about other situations?
Additional guaranteed issue enrollment periods may be available in your state. You also 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.
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: 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.