When does the open enrollment period for Medicare supplements start?

The open enrollment period for Medicare supplements starts three months before an individual turns 65 and extends three months after their birthday, totaling a seven-month window. This period is significant because it is during this time that individuals can enroll in Medicare Supplement plans without medical underwriting, meaning they cannot be denied coverage or charged a higher premium based on health conditions.

Starting the enrollment three months before turning 65 allows individuals to secure their supplemental coverage as they transition to Medicare, ensuring they have the necessary protections in place when they become eligible. Being aware of this timeline is crucial for individuals approaching eligibility, as missing this enrollment window could result in difficulties obtaining supplemental coverage later on.

The other options do not accurately reflect the established timeline for Medicare supplement enrollment, which specifically encompasses the three months leading up to an individual’s 65th birthday, providing an initial and critical opportunity for coverage.