1. 42 POINTS
    Joann Quinn
    Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
    Most people can switch Medigap companies. If your premium is getting too high, it's a great idea to have it reviewed and see if you can qualify for a rate reduction with another insurance company. If you are out of your initial Open Enrollment period or not eligible for a Guaranteed Issue situation, you will have to medically qualify for a new Medigap Plan.

    If you can qualify medically, you can switch Medigap companies any time of the year. Qualifying means you have to answer the health questions on the insurance company application. The insurance company will usually do a phone interview with you and verify your prescription drugs. They will not have anyone come to your house and perform a medical exam.

    All insurance companies are unique with their health questions -- as is each individual's health. One company may deny coverage based on diabetes while taking blood pressure medications while another company will approve coverage. You just never know; that's why it's in your best interest to work with an agent who has access to many insurance companies.

    If I can assist you with your personal Medigap needs, please feel free to contact me.
    Answered on September 5, 2014
  2. 1450 POINTS
    Fred Adams
    The HSA Expert, Health Revival, Athens, GA
    In some states, you are allowed to change Medigap plans at any time, without being asked any medical questions. However, in most states, if you are applying outside of your initial enrollment period (six months after you first get Medicare part B), then you will have to qualify medically in order to switch Medigap policies. This means answering health questions on the insurance company application, and usually also involves a phone interview with you and verify your prescription drugs. In most cases, if you answer yes to any of the health questions being asked, you would not be approved by that particular company. That said, not all companies ask the same health questions, so being turned down by one company does not mean you would be turned down everyone.
    Answered on September 5, 2014
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