How does pre-existing condition coverage work with AARP Medicare Supplement Plans?

Coverage for pre-existing conditions in AARP Medicare Supplement Plans is structured to offer protection to beneficiaries once they have passed the guaranteed issue period. This means that after the initial open enrollment period—typically the six months that begins when someone turns 65 and enrolls in Medicare Part B—these plans cannot deny coverage for any pre-existing conditions.

This provision is significant as it provides individuals with the certainty that their medical history will not prevent them from obtaining the supplemental coverage they need. During the guaranteed issue period, beneficiaries have the right to enroll in any Medicare Supplement Plan without the risk of rejection due to prior health conditions. Once this period ends, however, while some plans allow enrollment, they are not mandated to provide coverage for pre-existing conditions, which emphasizes the importance of enrolling during the guaranteed period.

Understanding this aspect of coverage is crucial for beneficiaries who may be concerned about how their past health issues might affect their insurance options. It underscores the commitment of Medicare Supplement Plans to provide comprehensive support without prejudice to applicants with existing health issues, provided they enroll during the necessary timeframe.