There is a time period when a company must sell a Medicare Supplement policy to you. This six-month period is called "Open Enrollment." Open Enrollment begins when you are 65 or older and enroll in Medicare Part B.
During Open Enrollment, a company:
Cannot refuse to sell you a Medicare supplement policy, regardless of your health.
Can ask you health related questions on the application.
Cannot charge you a higher premium because of your health history.
If you are 65 years old or older:
If you enroll in Medicare Part B when you turn 65, your Medigap Open Enrollment begins the day your Medicare Part B becomes effective.
During Open Enrollment, a company:
Cannot refuse to sell you a Medicare supplement policy, regardless of your health.
Can ask you health related questions on the application.
Cannot charge you a higher premium because of your health history.
If you are 65 years old or older:
If you enroll in Medicare Part B when you turn 65, your Medigap Open Enrollment begins the day your Medicare Part B becomes effective.
If you continue to work past age 65 (to any age) and delay enrolling in Medicare Part B, you "trigger" your Open Enrollment period by enrolling in Medicare Part B. It begins the day your Medicare Part B becomes effective.
If you are 65 or older and delayed enrolling in Medicare Part B because you were covered by your working spouse's employer group health plan, you "trigger" your Open Enrollment period by enrolling in Medicare Part B. It begins the day your Medicare Part B becomes effective.
If you are under 65 and receive Medicare due to disability:
Currently, there is no Open Enrollment period for disabled Medicare beneficiaries until they are 65. However, some new laws are being proposed that would give disabled Medicare beneficiaries an open enrollment period.
There are other options for those who are under 65 and disabled:
Medicare Advantage Plans cannot turn you down if you are on Medicare due to a disability
Some companies accept applications for a Medicare Supplement policy application from those under 65 and disabled. However, there is no guarantee that they will sell a policy to you.
If you are under 65 and receive Medicare due to a disability, you trigger an Open Enrollment period when you turn 65. When you turn 65, your Medicare is due to age and no longer due to disability. A company must then sell you any plan it offers.
If you are under 65 and receive Medicare due to disability:
Currently, there is no Open Enrollment period for disabled Medicare beneficiaries until they are 65. However, some new laws are being proposed that would give disabled Medicare beneficiaries an open enrollment period.
There are other options for those who are under 65 and disabled:
Medicare Advantage Plans cannot turn you down if you are on Medicare due to a disability
Some companies accept applications for a Medicare Supplement policy application from those under 65 and disabled. However, there is no guarantee that they will sell a policy to you.
If you are under 65 and receive Medicare due to a disability, you trigger an Open Enrollment period when you turn 65. When you turn 65, your Medicare is due to age and no longer due to disability. A company must then sell you any plan it offers.
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