During which enrollment period can an individual enroll in a Medicare supplement plan without medical underwriting?

The correct answer is that individuals can enroll in a Medicare supplement plan without medical underwriting during the open enrollment period. This period is particularly significant as it typically begins the month an individual turns 65 and lasts for six months. During this time, beneficiaries have guaranteed issue rights, meaning they cannot be denied coverage or charged higher premiums based on pre-existing conditions. This is a critical time for beneficiaries to secure a supplemental plan that covers additional costs not included in original Medicare, such as copayments, deductibles, and other out-of-pocket expenses.

The protections granted during the open enrollment period ensure that older adults have access to necessary healthcare coverage without facing discrimination due to their health status. Understanding this enrollment period is crucial for individuals planning their Medicare coverage options.