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Question DetailsAsked on 8/12/2015

I am going on medicare next month. I have a pre-existing condition and having no luck in finding a supplemental.

I am going on medicare next month. I am checking with multiple companies with no luck of finding supplemental insurance because of my pre-existing condition. I have epilepsy. I am taking 750 mg Lamcital a day costing $1,920.76 a month and 400 mg Zonegran a day costing $1,526.08. The doctor insists I take the brand name I cannot find any other place that will help me, help programs,drug companies, my doctor for samples because I have insurance even social security because I have over $13,000.00 in savings. When I worked I was able to get a letter from my doctor stating I had to have the brand-name and I got it. Now since I retired it is different from everybody(my doctor, insurance companies, social security) They told me all my life to put some money away in a IRA. I have $200,000.00. Now without any help that will be all gone in just a couple of years.then what will I do? Just have seizures constantly without any medicine available to me.

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1 Answer


Good Morning,

If you are enrolling into your Medicare Part B for the first time, then you have guaranteed issue rights which will allow you to obtain a policy regardless of your pre existing conditions.

The next variable is your age. If you are under 65, then depending on the state you're in, you may not be able to get a Medicare Supplement, however, you will qualify for Medicare Advantage.

If you are turning 65, then regardless of your state, you will have no problem getting either a Medicare Advantage or Medicare Supplement.

Now, on to your prescription troubles. You can use a qualified broker to help you, or even the website to search for a Part D RX plan that will cover your medication. allows you to do this yourself, or you can use a broker and have them do it for you. Brokers services are 100% free of charge.


Answered 5 years ago by

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