When Can I Buy Medicare Supplemental Insurance? 
If you 're over 65 you can purchase a Medicare Supplemental plan at any time but will be subjected to medical questions and run the risk of being denied coverage . If you 're not quite there yet , you havethe three months prior to your birthday , the month of your birthdate , and three months after your birthdate to obtain guaranteed acceptance into any plan offered in your area . Also , if you are under 65 but have had 24 months of continuous disability benefits under Social Security or Railroad Retirement you can also obtain a Medicare Supplement . 