Medicare Supplement Plans 2018, unlike other health plans, require some eligibility criteria for enrollment. The plans are sold by private insurance companies who strictly take care of the eligibility before selling the plans.
Medical supplement plans eligibility with original Medicare
Medicare supplement plans work in collaboration with original Medicare Part A and Part B. In order to get a Medicare supplementary; you first need to enrol for Medicare. The original Medicare plans are available for the residents of United States who has qualified the following requirements;
- The resident is at least 65 years of age or older.
- Diagnosed with permanent kidney failure and requires transplantation or dialysis.
- People who are receiving disability benefits from the State or the employers for 24 months consecutively.
- Anybody who is diagnosed with ALS disease.
The Medicare is given for 5 years consecutively. Once the citizen turns 65 years of age, they automatically get enrolled with Medicare Part A. Part A is a premium free for the senior citizens however they might be charged for enrolling with Medicare Part B.
Supplement plan for people less than 65 years
Many private insurance companies voluntarily sell Medicare supplement plans to people of the States. They sell the plans to people who are less than 65 years of age, which is however not legally mandate. In such cases, the insurance companies might charge higher than the usual Medicare cost. This leads to increase in premium and timely evaluation of mechanical health. If you are less than 65 years of age and are ready to pay a high premium, you may first get enrolled with original Medicare Part A or Part B. this generally happens when one has a serious medical ailment and requires to visit the doctors frequently and needs hospitalization.
Medicare supplement enrolment period
The Medicare supplement plans have an open enrolment period once you turn 65 years of age. This period begins to form the first day itself when you turn 65 or are enrolled with Original Medicare Part B. However, no medical underwriting is allowed during the medical enrolment period.
The below situations do not allow eligibility for Medicare supplementary plans;
- When you are below the age of 65 years.
- You are not enrolled in Medicare Part B even after attaining 65 years of age.
- When you have a health problem but the open enrolment period has ended, which is six months from the day you turn 65. Medicare supplement plans can be purchased from the private insurance companies if you do not fulfil any of the conditions. However, you might end up paying higher premiums.