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Enrollment Guidelines
Open Enrollment
State and federal laws guarantee that for a period of six months from the date you
are enrolled in Medicare Part B and aged 65 or older, you have a right to buy the
Medicare supplement policy of your choice — regardless of any health problems you
may have. Your open enrollment period begins with the first day of your birth month
and continues for six months. If your birthday falls on the first day of the month,
your Medicare coverage will begin the first day of the previous month while you
are 64. Your open enrollment period also will begin at that time.
Health questions must be answered if you apply for Medicare supplement coverage
any time other than during your open enrollment period. You will be subject to medical
underwriting if you are not in your open enrollment period when you apply for coverage
and may not be accepted for coverage.
What if I Have Deferred my Medicare Part B Coverage?
If you are 65 or older and have deferred your Medicare Part B coverage, your open
enrollment begins with the date your Medicare Part B coverage becomes effective
and continues for six months.
What if I Am Medicare Disabled?
If you are Medicare disabled, your open enrollment begins with the first day of
the month in which you turn 65 and continues for six months. If your birthday falls
on the first day of the month, your Medicare coverage will begin the first day of
the previous month, while you are 64. Your open enrollment period also will begin
at that time.
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