No, Obamacare does not cover Medigap, or any other Medicare related expenses. In fact, Obamacare actually calls for over $700 BILLION in cuts to the Medicare system over its first ten years, a budgetary item that places the benefits available to our country's senior citizens at tremendous risk. The benefits of Obamacare are only available to those under the age of 65, which basically equates to this law taking money away from caring for our nation's seniors to secure coverage for younger individuals, at least those younger Americans that do not make enough income to cover the cost of coverage themselves.
Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
Unfortunately, the Affordable Care Act does not apply to Medigap. If you have a pre-existing condition, you may be denied coverage. If you are not in your initial Open Enrollment period or another Guaranteed Issue situation, you will have to medically qualify for a Medigap Policy. Therefore, it's best to get a Medigap Policy when you think you don't need one. Often times people wait until a health condition arises because they think the Affordable Care Act (Obamacare) will apply.
With that said, each insurance company has unique health questions. One insurance company may deny rheumatoid arthritis while another is okay with it. In other words, don't assume you will be denied. An independent agent can review your health history and let you know if you can apply for a Medigap policy.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Does Obamacare cover Medigap? At this time, no Obamacare doesn't intermix with Medigap plans. Down the road over time, no one knows for sure if there will be legislation to bring all healthcare together in either a national plan or a base plan all must have with supplements people can choose to add onto their base coverage.
.JPG){kind=avatar}
With that said, each insurance company has unique health questions. One insurance company may deny rheumatoid arthritis while another is okay with it. In other words, don't assume you will be denied. An independent agent can review your health history and let you know if you can apply for a Medigap policy.