If you’re eligible for Medicare and need Medicare supplemental insurance to cover your pre-existing health condition, then Medicare Advantage plans might just be the answer you need.  These plans accept all pre-existing health conditions, with the exception of End Stage Renal Disease.
With Medicare Supplement Insurance, medical underwriting still applies unless you apply during what’s known as open enrollment.  There’s a specific open enrollment that correlated to either the time you have received disability benefits or your 65th birthday, depending on why you are eligible for Medicare.  During open enrollment, you don’t have to answer any questions about your health and you cannot be denied coverage.
Whether you prefer one of the Medicare Advantage Plans or one of the Medicare Supplement Plans, you have a period you can apply with no health questions asked.  There are several differences between these two categories of plans although both options are offered by private insurance companies.  You can read more about both here on our site.
One difference is that Medicare Advantage Plans typically restrict your selection of doctors and hospitals for non-emergency or non-urgent care.  These plans also have different rules depending on which company offers them, so you’ll need to read your each policy carefully.  For more suggestions about selecting the right coverage for your needs, read our educational resources or give us a call.


Jim McFadden has over 11 years of executive-level experience in the health insurance industry, is a youth baseball, softball and football coach, and has one of the worst fantasy football records in the world.