Originally Posted by oldman45

If you get a supplemental within six months of being medicare eligible, they cannot hold anything against you and you will be assumed to be in great health. All they can ask you is your name, DOB and address. If you are outside that six month window, pre existing condtions will apply and not be covered. The six month window is very important.

Also, medicare starts the first day of the month you turn 65 so sign up for it before that date. My DOB is in October but I signed up yesterday, some 20+ days early since I wanted it to begin 10/01/11. Had I waited until October to sign up, it would not have began until the first of November.