Am I eligible for Medicare Supplemental Insurance with no medical screening/underwriting

briang

New Member
I turn 65 next month and Iam currently employed by a large employer and under their health insurance plan. I'm planning on working for them until I am at least 67. Once I go on Medicare I plan to get Medicare supplemental insurance (because ALL of my relatives who are on Medicare advantage say not get that because no doctor will take that plan). But I have 2 conditions that may otherwise cause a much higher rate if I don't get the Medicare supplemental insurance during the no-underwriting period.
So I was thinking i have to sign up for Medicare now and Part B now during my initial enrollment period and get the supplemental insurance in order to get the supplemental insurance without the health screening/medical underwriting. Does anyone know if that is true? Do i HAVE to sign up for Medicare part b now even though i'm on my employer's health plan until I am 67. I don't want to miss the opportunity to get the Medicare supplemental insurance without the medical screening/underwriting - even if it means i pay double for insurance now for the next two years until i'm 67.

I called Medicare directly and asked them that, but i'm not 100% convinced the person i spoke to understood what I meant completely. they did not seem very on top of things. They said (sort of) that my supplemental insurance enrollment period does not start until I enroll in Medicare part b and I could still get the supplemental insurance with no health screening/underwriting after my employer health insurance is over (when I'm 67) and i then enroll in Medicare part b.

Since so much is riding on this and because i had to explain the scenario 3 times to the Medicare help person I spoke with, i wanted to be sure.

Everything i have read initially says you have to sign up for the supplemental during your initial enrollment period, and that there is only "one" initial enrollment period that starts 3 months before you turn 65 and lasts 3months after you turn 65.
 

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