Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Yes. If you don't buy a Medigap plan during your initial open enrollment period (the 6-month window from your Medicare Part B effective date), you can be subject to medical underwriting if you do not qualify for a special enrollment period.
If you're applying with medical underwriting, you have to answer the medical questions on a carrier's application. Depending on the responses, they will approve or decline you. Keep in mind, each carrier has different health questions so some may work better for your medical history than others.
The BEST TIME TO BUY a Medigap plan is during your initial open enrollment period because there is NO medical underwriting. This means that regardless of your health status, you can buy any Medigap plan from any carrier in your area, again, with NO medical underwriting!
I hope the information is helpful - please feel free to contact me for help and if you have any other questions. Thanks very much.
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If you're applying with medical underwriting, you have to answer the medical questions on a carrier's application. Depending on the responses, they will approve or decline you. Keep in mind, each carrier has different health questions so some may work better for your medical history than others.
The BEST TIME TO BUY a Medigap plan is during your initial open enrollment period because there is NO medical underwriting. This means that regardless of your health status, you can buy any Medigap plan from any carrier in your area, again, with NO medical underwriting!
I hope the information is helpful - please feel free to contact me for help and if you have any other questions. Thanks very much.