There are specified "guarantee issue" situations where a supplemental Medicare insurance carrier cannot refuse coverage.
Most people will buy a Medicare supplement plan at the same time they enroll in Medicare Part A and Part B which is usually when they turn 65.
If you buy a supplement plan then, you cannot be denied.
Other guaranteed issue periods include exercising your trial right when leaving a Medicare Adantage plan, losing your Advantage plan coverage by moving out of the service area and if your current Medigap carriar goes out of business or stops writing your plan.
Owner and Principal Agent, J O'Brien Insurance Solutions, Williamsburg, VA
When you are not in a "guaranteed issue" period, applying for a Medicare Supplement will entail passing the underwriting requirements established by the insurance carrier. In other words, you may be denied coverage if the insurance carrier is not willing to take on the risk of covering you due to your health condition at the time of application or in your past. There are Supplemental policies available with very light underwriting requirements--for example, in Virginia, AARP Medicare Supplements through United Health Care. However, the premiums for these plans are quite high.
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Most people will buy a Medicare supplement plan at the same time they enroll in Medicare Part A and Part B which is usually when they turn 65.
If you buy a supplement plan then, you cannot be denied.
Other guaranteed issue periods include exercising your trial right when leaving a Medicare Adantage plan, losing your Advantage plan coverage by moving out of the service area and if your current Medigap carriar goes out of business or stops writing your plan.