Medicare Supplement Open Enrollment Period is a once in a lifetime window what allows you to enroll in any Medigap plan without answering health questions. The carriers who sell Medicare Supplemental policies cannot deny you coverage if you apply during your Medigap Open Enrollment Period.
Applying outside your 2019 open enrollment window can impact how much you pay for coverage and how easy coverage is to obtain. This window only lasts for 6 months for each new beneficiary, unless you delay enrollment into Part B due to having other creditable coverage.
Your Medicare Supplement Open Enrollment Period is not the same as the annual fall Open Enrollment Period. With the fall Medicare OEP, the dates to enroll are the same every year. With your individual Medigap Open Enrollment Period, the dates are different for everyone and are not annual.
Medicare Supplement Open Enrollment Period
- Once in a lifetime 6-month window
- Window begins once Part B is in effect
- No health questions during this time frame
- Not the same as the Annual Fall Open Enrollment Period
Your individual Medicare Supplement Open Enrollment Period starts the first day of the month your Part B is in effect.
If your Part A & Part B coverage begins April 1st, then your individual Medicare Supplement Open Enrollment Period window will start then and continue for 6 months, ending September 30th.
For most, this period starts when they age into Medicare at 65 & enroll in Part B. For some, they choose to delay enrolling into Part B due to still working and having creditable coverage with their employer. When they do retire and enroll in Part B, they will initiate their Medicare Supplement Open Enrollment.
Lock Your 2019 Medicare Supplement Plan Down in Advance
For those who planned ahead and applied for Medicare early, you’ll be given your Medicare claim number before your birthday month.
If you have your Medicare claim number, we can submit your Medigap application before your Part B effective date.
The carrier will process your application as if you’re already in your Medigap Open Enrollment Period, with no health questions.
Once you apply for Medicare, there’s no need to wait to enroll in a supplement plan until you turn 65.
With rates constantly changing, we often help our clients lock in their Medigap plan months before their 65th birthday.
Occasional Secondary Medigap Open Enrollment Period
There are very few situations where a Medicare beneficiary will get a second Medigap Open Enrollment Period window.
- If you retire, enroll in Part B, then go back to work and enroll in the employer’s group healthcare coverage, you’ll get a second Medicare Supplement Open Enrollment Period when you retire again and enroll back into Part B.
- If you get Medicare due to a disability under 65, you’ll get two Medigap Open Enrollment Periods. The first one will start with your Part B effective date. The second one will start when you turn 65.
The reason a beneficiary on Medicare due to disability would choose to not enroll during their first Medigap OEP is that they have very limited options because they’re under 65. Many states are not required to offer all supplement plans to those under 65.
Most states only offer Plan A to those under 65. If they wait to enroll in a Medigap plan when they turn 65 during their second Medigap OEP, they’ll be able to choose from all the plans available to them in there state.
Enrolling Outside your Medigap Open Enrollment Period
When it comes to Medicare Supplement plans, you can enroll at any time of the year. If your open enrollment window has passed, you can always still apply.
However, you’ll most likely have to go through medical underwriting and answer health questions during the application process. Outside your one-time open enrollment period, a carrier can deny you coverage due to pre-existing conditions or health issues.
Take Advantage of Your Medicare Supplement Open Enrollment Period
Timing can affect how much you pay for coverage; how easy coverage is to obtain, and it can greatly determine the options available to you.
This is the only time period you’ll ever get that allows you to enroll in any Medigap letter plan. You’ll be able to avoid having to answer any health questions.
By law, the carrier must approve your application for coverage, regardless of any health issues.
After your individual Medigap Open Enrollment Period has passed, a carrier can choose to deny you coverage based on your current health status.
Many new beneficiaries may have pre-existing health problems that could end up preventing them from getting coverage.
If they enroll as soon as their first eligible, during the one-time individual open enrollment window, these health problems will not prevent them from getting coverage.
That’s why we strive to educate our clients on the importance of enrolling during this once in a lifetime window.
Fall Annual Enrollment Period vs Open Enrollment Period
The Fall Annual Enrollment Period takes place every year from October 15th through December 7th. During this period you can enroll, dis-enroll or change Medicare Advantage as well as Part D prescription drug plans.
The majority of new beneficiaries that enroll in a Medicare Advantage plan end up wanting to switch back to Part A & Part B and buy a Medicare Supplement plan. The biggest reason is due to having to stay within the plan’s network of providers and not being able to see their current primary physician.
Many new to Medicare are under the false pretense they can enroll in a supplemental plan during the fall Annual Enrollment Period without having to go through medical underwriting questions.
This is one of the biggest misconceptions that causes the most problems for beneficiaries that didn’t have the right resources to educate them on all their enrollment periods. This is why it’s so important to have a knowledgable agent by your side from the very beginning.
During AEP you can switch to another Medicare Advantage plan or disenroll from one and enroll back in Part A & Part B. If you enroll back in Part A & Part B, you can then enroll in a prescription drug plan coverage & Medigap.
Depending on the letter plan you choose, your Medigap plan will cover your Part A & B deductible, as well as the 20% coinsurance you’re billed for that fall under Part B.
Alternative Options When Denied Medigap Coverage Outside Your Individual OEP
When you miss your Medigap Open Enrollment Period and are denied coverage, there are alternative options.
If you have a serious health condition that causes a Medigap carrier to not accept you, you should be able to enroll in a Medicare Advantage plan.
Advantage plans only have one health question, and most applicants can pass. However, you’ll have to wait until the Fall Enrollment Period to sign up for one of these plans.
You’ll be required to stay within the plan’s network of doctors. However, if you’re willing to pay more for a PPO plan that gives you access to doctors outside their network, you may be able to keep the same doctor.
Guaranteed Issue vs Medigap Open Enrollment Period
Lots of people end up missing their Medigap Open Enrollment. Mostly due to them still working and being covered under their group employer coverage. They keep their employers’ creditable coverage and enroll in Part A and Part B at 65 to bring their medical costs down.
Once they retire a few years down the road, their Medicare Supplement Open Enrollment Period has come and gone. Thankfully, there’s a law in place for this scenario that protects people. It’s called the guaranteed issue law.
For those who kept their employers’ creditable group health coverage after they enrolled in Part B, they’ll have a 63-day window. During this 63-day window, you’re given guaranteed issue.
The GI 63-day window allows you to enroll in most Medigap plans without having to answer any health questions. If you have any pre-existing health conditions, they won’t be a concern during this time.
Only SOME plans accept Guaranteed Issue. These plans include Medigap Plan A, B, C, F, K, and L. It’s important to note that Plan G is not a GI plan. This means if you really want Plan G outside your one-time 6 month Medigap OEP window, you’ll have to answer health questions.
Additional Medigap Open Enrollment Questions
Can you be Denied Medicare Supplemental Insurance?
If you don’t sign up during your Open Enrollment Period, carriers can turn you down due to pre-existing conditions or disability.
Can you Change Medicare Supplement Plans Anytime?
Yes, technically you can change Medicare Supplemental insurance plans at any time. You might have to answer health questions and go thru medical underwriting if you’re outside your Open Enrollment Period.
Learn More About Your Medigap Open Enrollment Period
At MedicareFAQ, our agents truly care about you. They’ll be able to educate you on all the different enrollment periods to make sure you don’t miss out.
If you’re already outside your Medicare Supplement Open Enrollment Period, we’re still here to help you find a plan.
Our agents will be more than happy to answer all your questions and walk you through the health questions to see if you qualify. Our clients also get unlimited support from our Client Care Team.
If you have any issues with claims, appeals, Part D, or just want to rate shop, they’re there to assist you at no additional cost.
Contact us by calling the number above or get help now by clicking here.