Medicare Answers: Medicare Supplement Guaranteed Issue & Medicaid Extra Help

  • Originally published September 4, 2012 , last updated December 23, 2014
  • Medicare
Medicare Answers: Medicare Supplement Guaranteed Issue & Medicaid Extra Help

If you have a Medicare question you’d like answered, email it to

This week Roger tackles two questions.


Bob asks,

I have a male who is over 65. He has been insured on his wife’s group medical insurance as a dependent. But the wife has turned 65. She is going off the group plan. I know the wife can apply for Medicare Supplement coverage on a guaranteed basis. What about the husband? Is he guaranteed issue?

The short answer is yes. Remember Medicare Supplement is Guarantee Issue whenever you lose coverage through no fault of your own. So the same rules for the wife extend to the husband as well.

Lois asks,

What options do I have regarding a Medicare Supplement and Part D for one of my clients who is turning 65 in December.

She has been on Social Security since 62 but does not qualify for disability. I don't normally sell any Medicare Advantage but it might be the only thing she can afford at this time. Let me know what you would recommend.

Here are a couple of options for your client to consider.

Medicaid is a joint federal and state program that helps with medical costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, like nursing home care and personal care services. If you qualify for Medicaid in your state, you automatically qualify for Extra Help paying your Medicare prescription drug coverage (Part D).

PACE (Program of All-inclusive Care for the Elderly) is a Medicare and Medicaid program that helps people meet their health care needs in the community instead of going to a nursing home or other care facility. When you enroll in PACE, you may be required to use a PACE-preferred doctor. These doctors are best suited to help you make health care decisions. This link lists all states with this program and how to get information.