The Medicare Supplement plans are standardized by Medicare.\u00a0 For Example, Medicare Supplement Plan G will have the same coverage with all companies that sell Plan G.\u00a0 Not all companies offer all plans.\u00a0 \u00a0However, some plans might offer additional benefits like Gym Membership.<\/p>

ENROLLMENT<\/strong><\/p>

Medicare Supplement have one Open Enrollment Period that allows you to enroll into the plan without medical underwriting.\u00a0 The Open Enrollment begins the first day of the month in which you are both 65 or older and enrolled in Medicare Part B and it last for 6 months.\u00a0 Companies are allowed to ask you about any pre-existing conditions and subsequently deny you coverage except during your Open Enrollment.\u00a0 There are other special circumstances when you are able to enroll in a Medicare Supplement without underwriting.\u00a0 They are referred as Guaranteed issue rights. \u00a0\u00a0Feel free to contact me<\/u> to find out if a special circumstance can apply to you.\u00a0\u00a0<\/p>

If you have employer health insurance, do not apply for Medicare Part B until you are ready to start using your Medicare Insurance.\u00a0 Medicare Part B is not useful while you have employer coverage.\u00a0 Also, your Medicare Supplement Open Enrollment Period might expire and you won\u2019t be able to take advantage of enrolling in a plan without medical underwriting.<\/p>

Medicare Supplement does not have annual enrollment periods.\u00a0 You are allowed to sign up and change your plan anytime during the year as many times as you wish.\u00a0 However, you may be subject to medical underwriting if your Medicare Supplement Open Enrollment has expired and if you don\u2019t have a special Guaranteed issue right.\u00a0<\/p>

PRE-EXISTING CONDITION<\/strong><\/p>

If you develop a pre-existing condition after you have been enrolled in a Medicare Supplement, the insurance company cannot cancel your policy unless you don\u2019t make a payment.\u00a0 You have 30 days grace period to pay your premium.\u00a0 If the payment is not received after your grace period is over, the company will cancel your plan and you will have to re-apply to get back on the plan.\u00a0 Some companies will make exceptions if an extra-ordinary circumstance prevented you from making the payment (For example, if you can proof that you were hospitalized and unable to send the payment).<\/p>

One final point, Medicare Supplement plans premiums are adjusted annually.\u00a0 The older you are the higher the liability to the insurance companies; therefore, insurance companies will increase your premiums every year.\u00a0\u00a0<\/p>

Get a Quote for a Medicare Supplement<\/strong><\/p>

There are dozens of Medicare Supplement companies.\u00a0 It is not practical for me to contract with all of them.\u00a0 The companies that I am currently contracted do offer very competitive rates.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t