The short answer—when you’re first eligible. There are exceptions, however. Get the details below.
There’s a window of time when you’re first eligible for Medicare called open enrollment. During that period, even if you have health problems you can get a Medicare supplement insurance policy for the same price as someone who’s healthy.
Your open enrollment is a six-month period that begins:
It’s important to purchase a supplement when you’re first eligible. If you wait, your health history will determine:
If you have a pre-existing medical condition, there’s no guarantee you’ll be eligible for a policy, and the costs could be significantly more.
If you want to wait to enroll in Medicare, visit with your human resources department or call a BCBSNE representative at 888-926-5401. He or she will explain the implications of your decision and help you manage a delayed enrollment in order to avoid penalties.