Some Medicare enrollees can choose supplement plans without health screening

Insurers must provide guaranteed access to available supplement plans during the yearly enrollment window. This applies to people enrolled in a Medicare supplement plan or Medicare Advantage who meet the prior-coverage rule. The person must have had Medicare supplement, Medicare Advantage, or other creditable coverage since their initial Medicare enrollment period, with no gap longer than 90 days. Insurers may not base coverage on the person's health or use individual health screening. The right applies during each Medicare annual enrollment period for coverage that starts January 1 of the following year.

Insurers must make their Plan A supplement policies available to certain people under 65. This applies to people under 65 who are eligible for Medicare because of a disability or end-stage renal disease. The person must qualify for Medicare because of a disability or end-stage renal disease. Issuers may not base coverage on the person's health or use individual health screening. The person must apply during the first six months after first becoming eligible for Medicare Part B, or during another enrollment period set by the insurance commissioner.

Insurers must provide a six-month open enrollment period for supplement policies. This applies to people who remain enrolled in Medicare Parts A and B when they turn 65. The person must have enrolled in Plan A before age 65 because of disability or end-stage renal disease. The six-month period begins on the first day of the month when the person turns 65 and remains enrolled in Medicare Parts A and B.

Insurers must provide guaranteed access to every available Plan A policy for certain people under 65. This applies to people under 65 enrolled in Medicare Advantage or Medicare supplement Plan A because of a disability. Insurers may not base coverage on the person's health or use individual health screening.