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Do I Qualify for a Medicare Supplement?

If you are enrolled in Original Medicare (Part A and B), you could potentially get a Medicare Supplement plan that will help you cover the out-of-pocket costs left behind by Original Medicare!

There are a total of ten Medicare Supplements available, giving you a good amount of coverage options to choose from, but how do you know if you qualify for a Medicare Supplement plan?

Applying for Medicare Supplements

Once you are enrolled in Original Medicare and are 65, you will enter an enrollment period known as the Medigap Open Enrollment Period. This period lasts for six months, giving you the right to enroll in any Medicare Supplement plan without being denied coverage by an insurer because of your health.

This enrollment period is very important to keep in mind because if you were to miss this period, medical underwriting could be used by the insurer, which may or may not result in you being denied coverage from the Medicare Supplement plan.

Medicare Supplement Costs

Before you get a Medicare Supplement plan alongside your Original Medicare coverage, you also need to compare costs among different plans and insurers. Insurers will typically use one of three ways to determine what your monthly premiums will be:

  • Community rated: With this type of policy, you will be charged the same rates as any other plan member. 
  • Issue-age rated: Some policies determine your policy rates using your age as a factor. Issue-age rated policies do not use your age to decide future premium increases. Your premium will actually be cheaper, though, if you get the plan when you are younger.
  • Attained-age rated: This Medigap plan is also age-related, but your premiums will increase as you get older.

Get a Medicare Supplement Plan Today!

My Healthcare Direct can help you understand all your Medicare options. With ten Medicare Supplement plans to review, it can be challenging to figure out which plan may be the best fit for you, but that’s why we’re here! Call us today at (888)-959-1028 for more information about qualifying for a Medicare Supplement plan and getting the coverage you need.

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