Under which condition would a consumer be ineligible to enroll in an AARP Medicare Supplement Insurance Plan outside of the Guaranteed Issue situation?

A consumer would be ineligible to enroll in an AARP Medicare Supplement Insurance Plan outside of the Guaranteed Issue situation if they were recently diagnosed with End-Stage Renal Disease (ESRD). The Medicare Supplement Insurance Plans are designed for individuals who are already enrolled in Medicare. While those with ESRD do become eligible for Medicare, there are specific restrictions that can apply regarding enrollment in supplement plans when individuals do not qualify through a Guaranteed Issue right.

In particular, under normal circumstances, a person with ESRD must wait until they have been on Medicare for 24 months before they can enroll in a Medicare Supplement plan. This rule helps maintain the balance of risk among insured individuals, as those with pre-existing conditions such as ESRD often require significant medical attention. Thus, being diagnosed with ESRD presents a unique condition that affects eligibility.

Other conditions, such as moving to another state, being under 65, or not having Medicare Part B, do have implications for enrollment but do not inherently prevent a consumer from qualifying for Medigap plans outside of a guaranteed issue. For example, moving states may require different policies or plans to be selected, and individuals under 65 may still have rights to certain policies, depending on their specific circumstances. Not having Part B