When you first enroll in Medicare Part B, you get a special six-month window to buy any Medicare Supplement (Medigap) plan without answering health questions. This is called your Medicare Supplement Open Enrollment Period.

It’s the easiest and most stress-free time to get coverage. But what if you miss it?

Why the Open Enrollment Window Matters

During this six-month window, insurance companies must:

• Accept you no matter your health history

• Give you the best available rate for your age and area

• Never delay or deny coverage due to pre-existing conditions

In short: you’re guaranteed coverage.

What Happens If You Miss It

If you wait until after your Open Enrollment Period to apply for a Medicare Supplement:

• You may have to answer health questions.

• You could be denied coverage if you have certain medical conditions.

• You may face higher premiums than someone who applied earlier.

Some people still qualify later under special “guaranteed issue” rights, but these situations are limited and vary by state.

Why Planning Ahead Matters

Missing the window doesn’t always mean you’re out of options. We can:

• Review if you qualify under Florida’s guaranteed issue rules (or those in your state).
  
  

• Go over underwriting questions in advance so you know if you’re likely to qualify.
  
  

• Explore alternative coverage options if a supplement isn’t available to you.
  
  

Bottom Line

The Medicare Supplement Open Enrollment Period is your one guaranteed opportunity to get the coverage you want without medical hurdles. If you’re outside that window, it’s still worth reviewing your options—you may be surprised at what’s possible.

Call our team at 904-654-5450 or visit www.merebenefits.com to talk through your situation. We can even send you a sample list of underwriting questions so you know what to expect before applying.

Next Step: Read our blog on Florida Guaranteed Issue Rights for Medicare Supplements to learn about situations where you may still qualify after your enrollment window.

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