Chapter 4: Understanding Medicare Supplement Costs Enrollment Period: Premiums may be higher if beneficiaries enroll outside of their initial or guaranteed issue enrollment periods. Several factors can influence Medicare Supplement premiums, including: Factors Affecting Medicare Supplement Premiums Plan Type: Different Medicare Supplement Plans offer varying levels of coverage, which can impact premiums. Gender: In some states, premiums may vary based on gender. Location: Premium rates may vary depending on the state, county, or zip code in which the beneficiary resides. Tobacco Use: Tobacco users may be subject to higher premium rates in some states. Health Status: Certain states may allow medical underwriting, where premiums are based on the applicant's health status. Age: Premiums may increase with age, typically on a community-rated or attained-age basis. 1 4 2 5 6 7 3 202404PMED1SUPP 17 www.Postal-Service-Health-Benefits-Program.com
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