How to Sign Up for a Medicare Supplement Plan
Thinking about getting a Medicare Supplement plan to help keep your Medicare costs down? We’ll go over how to buy a plan, and the best time to buy it.
Medicare Supplement plans: how do I buy one?
If you want to buy a Medicare Supplement plan, you probably already know that these plans may help cover some of your out-of-pocket costs. Medicare Part A and Part B coinsurance, copayments and deductibles are common examples of these costs.
Buying a Medicare Supplement plan can be easy.
- First, you have to be enrolled in Medicare Part A and Part B (Original Medicare).
- Then, you may want to compare Medicare Supplement plans sold in your state. You can do that anytime – just enter your zip code in the box on this page to get started. They’re sold by private companies, and premiums can vary.
- Did you find a Medicare Supplement plan that’s right for you? Great! You can apply for the plan right from eHealth’s plan comparison tool. Just enter your zip code on this page to begin.
Important: Applying for a Medicare Supplement plan is usually easy. Getting accepted by the plan? Not so much, in some situations. Learn about the best time for buying a Medicare Supplement plan below.
Medicare Supplement plans: when can you get one?
It’s easier to buy a Medicare Supplement plan during certain time periods. Usually, your best bet is to buy a plan during your Medicare Supplement (Medigap) Open Enrollment Period (OEP). This is the six-month period that starts the month you’re both at least 65 years old and enrolled in Medicare Part B.
Why is this OEP possibly the best time to buy a Medicare Supplement plan? Because if you apply for a plan during your OEP, the plan has to accept you in spite of any health problems you might have. It can’t charge you more because of your health conditions. Once you’re signed up, if your health problems continue or you develop new ones, the plan can’t drop you for that reason.
You can apply for a Medicare Supplement plan anytime, as long as you have Medicare Part A and Part B. But if it’s after your OEP, the insurance company can look at your medical history and ask you questions about your health conditions. The company can charge you more, or even reject you, if you have a health problem.
There may be other times (besides your OEP) when you have “guaranteed issue rights” to buy a Medicare Supplement plan.
Remember, you can click the Browse Plans button on this page anytime you want to start comparing plans. Of course, you can also contact us to reach a licensed eHealth insurance agent.
The product and service descriptions, if any, provided on these eHealth web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.