At the end of the 6-month waiting period, the plan will cover your existing conditions. This pre-existing waiting period may also apply if you enroll in a Supplemental Medicare Plan during your Medicare Supplemental Open Enrollment Period.
At the end of the open enrollment period of the Medicare supplement, you can request a Medicare supplement plan at any time. However, if you file an application without a guaranteed issuance permit, the insurance company may ask you to obtain health insurance. If you have health problems, they may charge a higher price and there is no guarantee that a plan will accept it. There are exceptions; you have guaranteed issue rights in certain situations.
For example, if your 2019 Medicare supplement insurance goes bankrupt or cheats you, with guaranteed issue, you may be able to change Medicare supplemental plans.
Do I qualify for a Medicare supplement if I am below 65 years?
Under federal law, insurance companies do not have to sell Medicare supplemental policies to anyone under the age of 65, but in many states this requirement does exist. If you are not sure if your state’s Medicare Supplement Insurance is available, call Medicare.com. An approved insurance agent will help you review the rules that apply to your state. You can also contact the insurance department of your state for more information.
If you are below 65 and have Original Medicare because of amyotrophic lateral sclerosis (ALS), disability, or end-stage renal disease (ESRD), you may be eligible to apply for a Medicare supplement policy in your state if you are below 65 years of age. However, depending on where you reside, you may not qualify to buy the desired policy option, or any other Medigap policy, except you are 65 years old. As earlier mentioned, the best time to enroll in a plan is when you open the Medicare supplement registration period when you will have guaranteed issue rights. If you apply for a Medicare supplement plan and you are not over 65, you may not be able to get a guaranteed issue plan.
Some insurance companies sell Medicare supplemental plans to individuals below the age of 65, although the law does not require it. The companies may impose higher insurance policy rates or deny coverage under pre-existing conditions.
Therefore, you must review your rights according to state law before making a purchase. This information is provided when you call the state health insurance program, or call Medicare.com on phone to clarify your questions and plan options with an approved insurance agent.
If I have a Medicare Advantage plan, am I eligible for a Medicare supplement plan?
Medicare supplemental policies do not work with Medicare Advantage plans. If you choose to switch to a Medicare Advantage plan from Conventional Medicare, you may want to cancel your Medigap plan because you pay for services that cannot be used in your Medicare Advantage plan. If you are unsure if you want to return to Original Medicare, you should know that it may be difficult to get the same Medicare supplement plan back later if you have health issues and you do not have guaranteed rights.