What must occur during the open enrollment or guaranteed issue period for consumers under 65 to apply for Medicare Supplement plans?

During the open enrollment or guaranteed issue period, it is essential for consumers under 65 to be eligible for Medicare in order to apply for Medicare Supplement plans. This period is specifically designed to ensure that individuals who qualify for Medicare have access to additional coverage that can help reduce out-of-pocket costs associated with Medicare services.

The eligibility for Medicare can come from various factors, such as disability or receiving Social Security Disability Insurance for a certain period. If a consumer isn't eligible for Medicare, they cannot take advantage of the Medigap plans, as these plans are intended to supplement Medicare coverage, covering gaps left by Medicare parts A and B.

Other factors, such as pre-existing conditions or residing in a specific state, do not disqualify someone from applying for a Medicare Supplement plan during this special enrollment period. Similarly, having a primary insurance plan is not a requirement for Medicare Supplement applications. The primary focus here is the individual's eligibility for Medicare to ensure they receive the necessary supplementary coverage which these plans provide.