If you’re on a Medicare PFFS plan, you have no guarantee of supplemental insurance coverage. There is no government oversight of this, unlike PPO plans. This means that there are often annual limits on care and no recourse for the consumer if anything goes wrong with the insurance. Even if you are covered by a supplemental policy, there is no guarantee that the provider will accept it. This can be a major problem when you find yourself in an emergency and need care that your plan doesn’t cover. Medicare is also not likely to help you resolve disputes with your PFFS insurance company if something goes wrong. They are not held responsible for the actions of the insurance companies.

If you are denied Medicare Supplemental Insurance, it is usually because you are ill. This illness would have to be classified as a preexisting condition. A preexisting condition” is a medical condition that existed before the policy’s effective date or any time during the six-month period prior to the effective date of the policy. A preexisting condition also includes any condition for which medical advice, diagnosis, care, or treatment was recommended or received within the six-month period prior to t