Medicare supplement and Medicare select insurance companies must make coverage available to you, regardless of your age, for 6 months beginning with the date you enroll in Medicare Part B. This 6-month period is called the open-enrollment period. Insurance companies may not deny or condition the issuance of a policy on your health status, claims experience, receipt of health care, or medical condition. The policy may still have waiting periods before preexisting health conditions are covered.
In addition, if you are under age 65 and eligible for Medicare due to disability or end stage renal disease, you are entitled to a 6-month open enrollment period upon reaching age 65.
Medicare cost and Medicare Advantage insurance plans accept applicants who live in the plan's geographic service area, have Medicare Part A and Part B, and do not have permanent kidney failure.