How to Apply for Medicare Supplemental Health Insurance

Senior citizens are taking a more active role in determining the type of coverage they need when Medicare stops paying. The good news is there are both federal and state laws that govern the various Medicare supplemental health insurance plans available today. This standardizing allows for the simplification of benefit plans across the nation. Enlist the aid of a friend or relative and review the steps outlined here when selecting a policy.

Instructions

• 1

  Review your finances to determine how much you can afford to pay for a policy.

• 2

  Schedule a time for an agent to come by and discuss in detail the options and plans available based on what you've determined you can afford to pay. This is where a friend or relative can assist you in keeping things in perspective. If you have a drug prescription that is very costly, consider the plans that will help you to cover even a portion of these expenses.

• 3

  Consider what preventative care treatments that Medicare only covers for a certain number of times a year. If you require more frequent treatments, choose an insurance plan that will supplement this expense.

• 4

  Evaluate if you will need your supplemental plan to cover your Medicare Plan A deductible amount.

• 5

  Apply for Medicare supplemental health insurance within six months of reaching age 65 or becoming disabled and enrolled in Medicare Plan B. You cannot be turned down during this time frame.