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A Guide to the South Carolina Medicare Supplement Open Enrollment Period For instant help with your Medicare Supplement insurance, fill out a Carolina Medicare Insurance Supplement quotes request. The Medicare Supplement Open Enrollment period is a period that everyone who goes on Medicare has. During this period, you can sign up for a Medicare Supplement plan from any company without going through medical underwriting. What this means is that a company cannot deny you, make you pay a higher rate because of pre-existing conditions, or exclude any pre-existing conditions. This period last for six months and begins on the first day of the month in which you are BOTH age 65 or older AND enrolled in Medicare Part B. This is the best and most advisable time to purchase a Medicare Supplement because if it is not purchased during this period, the companies do have the right to deny you coverage or charge you more based on your past or current health. Individuals who go on Medicare disability prior to reach age 65 will not have their Federally-mandated Open Enrollment period until they turn 65. Additionally, those who are covered under employer coverage and do not elect to take Part B while they are working, will have their Open Enrollment period at the time they elect to terminate (or lose) their employer group coverage and take Part B. This is one reason that it is generally advisable to delay Part B if you are covered under employer group insurance, then take it later at the time that you either lose or terminate that coverage. An example of how the Open Enrollment period works: Fred is turning 65 on December 5, 2009. He is taking Medicare Part A and Medicare Part B at that time for a December 1, 2009 effective date. He has a six-month period beginning on December 1, 2009 to sign up for Medicare Supplement coverage. Many companies also offer a six-month window before your Open Enrollment begins. However, the coverage would not be effective until your Medicare is effective - December 1, 2009, in this example. Secure Medicare Solutions is a leading, independent brokerage that covers the states of South Carolina, North Carolina, Georgia, and Tennessee. We are a brokerage, and we work with all of the prevalent companies in these states to ensure that you get the best coverage for the best available rate. You can get more information about supplement plans at South Carolina Medicare Supplements Insurance and plans, and you can get quotes for all of the companies emailed directly to you by going to Carolina Medicare Supplement Insurance Quotes. |
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