To be eligible for Medicare Supplement insurance, you must be:
1) Enrolled in Medicare Parts A & B (Original Medicare)
2) 65 or older, or have a disability
3) You can also buy a policy if you are 65 or older, have Part A, and are enrolling in Part B.
You cannot buy a Medicare Supplement policy if you have a Medicare Advantage Plan. These two types of coverage are incompatible. If you want to switch from a Medicare Advantage Plan to a Medicare Supplement policy, you must first disenroll from the Medicare Advantage policy before your Medicare Supplement Policy begins.
Your health history could also affect your ability to buy coverage. It’s always advisable to apply for a policy during the open enrollment period. That’s because, during this period, insurers are not allowed to deny you a policy or raise your rates because of past health problems. If you buy outside of the open enrollment period, this protection may not be there, because insurers may raise your rates or choose to not offer you a policy because of your past health problems.