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Medicare Supplement Insurance Enrollment - DFW Directinsurance
  1. When can I apply for Medicare Supplement Insurance?
  2. You can apply for Medicare Supplement Insurance during the open enrollment period which includes a six-month period from the date you enrolled in Medicare Part B if age 65 or older (or up to six-month after you turn 65 if you were eligible for Part B benefits before age 65), or before age 65 because of a disability.


  1. Does Medicare Supplement coverage include prescription drug benefits?
  2. No, Medicare Supplement is intended to fill in the “gaps” with Medicare Plans such as Part A (hospital and skilled nursing facility care) and Part B (doctor bills and other medical expenses). You can select a separate Medicare Part D Prescription Drug Plan.


  1. Can I enroll if I do not have Medicare Parts A or B?
  2. No, you must qualify for Medicare Part A and/or enrolled in Medicare Part B to be eligible for a Medicare supplement plan.


  1. Does Everyone Need a Medicare Supplement Policy?
  2. Not everyone needs a Medicare supplement policy. You probably don’t need Medicare supplement insurance if you belong to a Medicare Advantage plan, or if Medicaid or a Qualified Medicare Beneficiary (QMB) Program pays your Medicare premiums and other out-of-pocket costs, or you are covered under an employer group health plan.


  1. What if I plan to work after age 65 and continue receiving group health care benefits?
  2. Check with your group plan administrator. You may be able to choose either your group plan or Medicare plus Medicare Supplement coverage. A Special Enrollment Period lets you delay purchasing Part B until you need it.


  1. Will I need to switch doctors if I enroll in a Medicare Supplement plan?
  2. No, you may continue to see your own doctor. Medicare Supplement plans are convenient and flexible, giving you freedom of choice.


  1. Can I see a specialist whenever I want?
  2. Yes. Note that out-of-pocket costs will be less if you choose a physician who accepts Medicare.


  1. Can I enroll in Medicare if I have a health savings account?

A. Once you sign up for Medicare, you’re no longer eligible to contribute to a health savings account (HSA). It does not, however, prevent you from taking withdrawals from an existing HSA. In some cases, you can even use the money in your HSA to purchase long-term care insurance.

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