The ideal time is during your Medicare Supplement Insurance Open Enrollment Period, or OEP. It starts the month you turn age 65 or older, and you are enrolled in Original Medicare Part B.
Medicare Supplement policies cover individuals, not spouses or partners. Length of enrollment periods vary by state. However, the minimum OEP is six months. If you buy within your OEP, companies are required to sell you a Medicare Supplement plan even if you have health issues or pre-existing conditions. (This is a guaranteed issue period.) If you wait to obtain Medicare Supplement after your OEP, you may subject yourself to the provider’s underwriting process. This means you may have to pay more for a policy if you qualify, or have your application for coverage turned down altogether.
YourMedicare.com takes pride in providing you as much information as possible concerning your Medicare options, but only a health insurance broker licensed to sell Medicare can help you compare your plan options from various insurance companies. When you’re ready, we recommend you discuss your needs with a YourMedicare.com Licensed Sales Agent.