I’m currently in the market for a Medicare Supplement (I turned 65 and went on Medicare Parts A & B in December 2021) but have some unusual circumstances. My wife is a retired teacher and several years ago as an early retirement package, she got 7 years of outstanding health benefits for both her and I at a cost of only $100 per month. This coverage acts in lieu of a supplement for me currently since it is secondary to Medicare even though it’s the same insurance she had while working. It will expire in mid-2024. I’m looking for a supplement now, due to the fact I’m an insulin dependent diabetic with other pre-existing health conditions. Based on your columns, I understand that it will be difficult or impossible for me to get a Supplement plan if I wait until then, as companies are only required to accept me during my Medicare Initial Enrollment Period (IEP). I’m looking for advice and want to know if I’m missing anything here.