I see this everyday. An individual enrolls in Medicare and never needs the coverage. Then at some point they need care. The individual finds out that Medicare covers only 80%. What about the 20%? Well, then they think they can obtain a Medicare supplement policy. The individual finds out that their open enrollment period ended years ago and they have to crawl through a maze of underwriting. Meaning they may not actually qualify for a supplement policy to cover costs that Medicare does not pay. The costs could be in excess of $25,000. We have helped many individuals through open enrollment and have helped them obtain a Medicare supplement policy. If you are reading this please know that it is important to obtain a supplemental policy before your open enrollment ends and it is too late. If you are reading this and you are not sure if you have a supplement policy you don’t.