Can You Be Denied Medicare Supplemental Insurance? 
When you are not in a `` guaranteed issue '' period , applying for a Medicare Supplement will entail passing the underwriting requirements established by the insurance carrier . In other words , you may be denied coverage if the insurance carrier is not willing to take on the risk of covering you due to your health condition at the time of application or in your past . There are Supplemental policies available with very light underwriting requirements -- for example , in Virginia , AARP Medicare Supplements through United Health Care . However , the premiums for these plans are quite high . 