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Medicare Insurance Brokerage …

To be able to purchase any of Equitable Life’s medicare supplement plans (or any Medigap plan from other insurers, for that matter), you must be enrolled in both Original Medicare Part A and Part B. Remember that Medigap plans cover only one person, so spouses will have to purchase separate policies. In addition, if you purchase a Medigap plan and then add a Medicare Part D (prescription drug) plan with the same insurance agency, you might need to make two independent premium payments. It’s best to speak to an expert advisor of Equitable Life & Casualty products for full details.

The best time to sign up for Medicare Supplement is during your Open Enrollment period. This 6-month window starts on the first day of the month in which you celebrate your 65th birthday. Note that you must be enrolled in Medicare Part B for this to happen. If you delay enrolling in Part B because you’re still availing the group health plan from your current job, your Open Enrollment will begin only when you have signed up for Part B.

If you miss this six-month period, insurance providers may reject your application or charge you a higher premium monthly fee, especially if you have a pre-existing medical condition. However, if you do enrol during your designated six months, insurance agencies are required to approve your application for any Medigap plan you apply for. You will also not be subjected to medical underwriting.