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Supplemental insurance is advisable for those with Medicare to help cover out-of-pocket costs and gaps in coverage, offering financial protection for deductibles, coinsurance, and other medical expenses not fully covered by Medicare.
If youre 65 and enrolled in Medicare Part A and Part B, you can apply for Medicare Supplement insurance. An open enrollment period occurs within 6 months of obtaining Medicare Part B, and you can apply for a Medicare Supplement policy without having to answer health questions.
Enrolling in Medicare Part A is mandatory for people ages 65 and over who receive Social Security benefits. Enrollment in Part B is voluntary. Most people choose to have either Part B coverage or a private health insurance policy that covers medical expenses.
Medicare Supplement coverage is optional youre not required to sign up. Medicare Supplement policies have their own premiums, which vary by plan type, location, age and insurance company.
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