Medicare Advice Center

Q. What if I have a pre-existing condition?

The Short Answer

If you have a pre-existing condition, it is particularly important to make sure that you apply at the right time when the window for enrollment in Medicare supplement insurance and Medicare Advantage is open. A pre-existing condition is defined as any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical insurance plan.

More Detail

  • When you first enroll in Medicare Part B, it starts your initial six-month Open Enrollment period. During that time, no plan can deny you coverage
  • Once you’re out of your initial enrollment period, you could be denied coverage for a Medicare supplement insurance plan due to health reasons, so it is important to get into the right plan for you during your initial Open Enrollment period
  • You cannot be denied coverage for a Medicare Advantage plan during the Annual Enrollment Period from October 15-December 7 each year, even if you have a pre-existing condition

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