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Enrollment

Home / Medicare Supplements / Enrollment

Applying for a Medicare Supplement plan is easy! Our friendly, licensed Agents will handle all of the paperwork so you’re not burdened with it. We’ll also help determine whether or not you need to answer questions about your medical history.

Medicare Supplement applications sometimes go through medical underwriting. During the medical underwriting process, your Agent asks you questions about any health conditions you have and medications you take. Depending on the insurance carrier you are applying for, a person can be denied based on their preexisting health conditions. Some folks go through medical underwriting without any issues, while others are sometimes “rated” (they experience slight price increase) due to health conditions.

Do not assume that you will not be able to pass medical underwriting! Our Agents can confirm by asking you a few simple questions.

My Medicare Partners ChecklistIt’s important to work with a licensed Agent who serves several insurance carriers to be sure you find a plan that does not exclude your medical conditions and is affordable. With just a few simple questions, your agent can help determine if your health conditions will affect your application.

Or, to avoid answering questions about your health, simply apply for a Medicare Supplement plan when you are first eligible for Original Medicare, during your Guaranteed Acceptance Period (GAP).  During this time, you cannot be denied a plan based on your health conditions or prescribed drugs.

The Guaranteed Acceptance Period begins six months before your 65th birthday, includes the month of your 65th birthday, and ends six months after your 65th birthday.

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Other times, a person has a Special Enrollment Period SEP) because of a certain, qualified life event that occurred. If you qualify for an SEP, you do not have to answer medical underwriting questions. You are guaranteed enrollment in that policy, regardless of health status.

Examples of events that trigger an SEP include, but are no limited to:

  • You enrolled in a Medicare Advantage plan when you first became Medicare-eligible, left the MA plan within its first year, and have Original Medicare
  • Your MA plan is no longer being offered
  • You move out of you MA plan’s service area
  • Your employer group plan or union benefits end
  • You lose your coverage through no fault of your own (ex. Insurance company
    goes bankrupt) or were provided inaccurate information by your insurance company

 

If you believe you qualify for an SEP or would like to confirm when your GAP ended, please contact us at 1-844-305-6169!

Remember, even if you miss your Guaranteed Acceptance Period, you may still apply for a Medicare Supplement plan! Some plans will simply exclude certain preexisting conditions from coverage, while other plans will approve you regardless of health history. Since these rules vary greatly from plan to plan, it is recommended to discuss with your Medicare Agent any health concerns you have before applying for a Medicare Supplement plan.

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