Can I Be Denied A Medicare Supplement With An Existing Condition?
This Is Perhaps The Best Feature Of Medicare Supplemental Policies
One of the many good things about Medicare and Medicare Supplement plans is this feature. Everyone by law must be age 65 before Medicare will kick in. (It also automatically kicks in whether you want it to or not.) Any American citizen will by law when they attain the age of 65 be covered by Medicare Part A. The rest of the Medicare Health Insurance plans (including a Medicare Supplement plan) must be purchased and the enrollees may choose to do this or not.
Are There Stipulations On Those Plans?
A Medicare supplement plan is a choice that is open one time only and it is for six months after you begin a Medicare part B plan. During this time, all companies who offer the Medicare supplement plans are required to sell you a policy – whether you have pre-existing conditions or not – providing you have both Medicare parts A and B.
Can You Exercise The Right To Choose More Than once?
During that six-month period, your right to choose a plan may be exercised more than once. Say you sign up for a Medicare Supplement plan and find a better one; you may switch without penalty during that period of time. Only something for which you received treatment for or sought medical advice from a physician for within the previous six months could perhaps place a six-month waiting period on that condition in that particular plan.
Is The Open Enrollment Only Available When You Initially Join?
This six-month period for open enrollment will be available to you even if you wait several years after reaching 65 to enroll in Medicare part B. The reasons for this could be you were still employed and continued under your employer’s medical plan and did not need part B or some other reason. The only stipulation on getting a Medicare supplement plan is you are enrolled in Medicare part B and you do it within six months of enrolling in part B.