What is the requirement for a consumer directly applying for a Medicare Supplement Insurance Plan?

The requirement for a consumer directly applying for a Medicare Supplement Insurance Plan is that they must be a resident and enrolled in Medicare Part A and B. This is essential because Medicare Supplement Insurance (commonly known as Medigap) is specifically designed to cover costs that Medicare does not, such as copayments, coinsurance, and deductibles.

To qualify for a Medigap policy, individuals need to first be enrolled in both parts of Medicare: Part A, which covers hospital insurance, and Part B, which covers medical insurance. This enrollment establishes the individual's eligibility for the additional coverage provided by Medigap, as the plan works in conjunction with Medicare to fill gaps in coverage.

Options that specified being currently hospitalized, a minimum age requirement, or the need for primary insurance are not standard prerequisites for purchasing a Medicare Supplement plan. Thus, they do not meet the fundamental criteria necessary for most consumers looking to apply for this type of insurance.