Question

A man is enrolled in Part A of Medicare and not Part B. Three months into coverage, he applies for a Medicare supplement policy. Which of the following is true?

A) He can enroll in any Medicare supplement plan without restrictions
B) He may be subject to medical underwriting for the Medicare supplement plan
C) He is automatically eligible for all Medicare supplement plans
D) He can only enroll in a Medicare supplement plan during the annual open enrollment period

Answer 1

A man enrolled in Part A of Medicare and not Part B may be subject to medical underwriting when applying for a Medicare supplement plan after three months of coverage. B) He may be subject to medical underwriting for the Medicare supplement plan

Step-by-step explanation:

A man enrolled in Part A of Medicare and not Part B who applies for a Medicare supplement policy three months into coverage may be subject to medical underwriting for the Medicare supplement plan. This means that the insurance company can consider the individual's health history and pre-existing conditions before approving coverage. Therefore, option B) is true. Typically, if an individual applies for a Medicare supplement (Medigap) policy outside of their Medigap open enrollment period and they do not have a guaranteed issue right, the insurance company may subject them to medical underwriting. This means the insurance company can consider the individual's health status, and the individual may be charged higher premiums or denied coverage based on their health condition. The open enrollment period for Medigap is generally the six-month period that begins when an individual is 65 or older and enrolled in Medicare Part B.