Enrolling in Medicare or Medicare Supplement
Below is valuable content designed to help you as you consider your healthcare needs. This content is intended to help you better understand Medicare supplement and AARP® Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. View the videos or download the printable guides to help you make more informed decisions when it comes to your healthcare needs.View Glossary of Terms
Eligibility and Enrollment
Open Enrollment Period
Special Enrollment Period
Enrolling in a Medicare Supplement Insurance Plan
Coverage and Costs
Choosing a Medicare Supplement insurance company
Costs and Plan Differences to Consider
Costs and Coverage
Available AARP Medicare Supplement Insurance Plans
Q: How do I apply for a Medicare supplement insurance plan?
A: Once you’ve done your research and decided on the Medicare supplement plan that’s best for you, contact the insurance company to begin your enrollment.
Depending on the insurance company you choose, there may be several ways to apply, which may include meeting with a licensed insurance agent or producer; using the company’s website; calling the company; or sending in an application you’ve received in the mail.
Q: When is the best time to enroll in a standardized Medicare supplement insurance plan?
A: It is most beneficial to enroll in a Medicare supplement insurance plan during your open enrollment period, which lasts for 6 months and begins on the first day of the month in which you’re both at least age 65 or older AND enrolled in Medicare Part B, because your acceptance is guaranteed and you’re eligible to receive benefits even if you have a pre-existing condition.* You may also select any plan that is available in your state. Some states have ongoing open enrollment, while other states offer additional open enrollment periods.**
*A pre-existing condition is a health problem you have before the date a new insurance policy starts. No Medicare supplement insurance may exclude pre-existing condition coverage for more than six months.
Q: Can I have employer insurance and Medicare at the same time?
A: You can, however if your employer has 20 or more employees, your employer’s group health plan will generally be considered your primary plan. If your employer plan pays 100% of most medical expenses, you may pay the Medicare Part B premium and receive little value. It’s best to contact your employer’s plan administrator to learn how your plan would work with Medicare.See more frequently asked questions