Phil as you may or may not know you can get your Medicare card 4 or so months before you turn 65 I did. And 3 months before you turn 65 and your birth and 3 months after and all is good. The plan N from Aetna can not turn you down by low.Absolutely no one can turn down a newbie.
this is from medicare
"While Original Medicare doesn't restrict coverage based on pre-existing conditions, the rules are different for Medicare supplemental insurance. Private insurers can turn down your application because of a disability or pre-existing condition if you don't sign up during your Medigap Open Enrollment Period"
A Medicare Supplement plan must accept you if you enroll during your individual Medigap Open Enrollment Period. This is the six-month period that automatically begins when you turn 65 and are enrolled in Part B. During this enrollment period, you have a one-time, guaranteed right to enroll in any Medicare Supplement plan. Private insurance companies cannot deny you coverage or charge you a higher premium due to health reasons.