1. 2307 POINTS
    Steve AdlmanPRO
    Owner, Alabama Medicare Plans, Birmingham, Alabama
    Questions that if answered yes would indicate you have a serious health condition. The questions are wide ranging and cover several health conditions. Heart disease, cancer, lung disease, liver disease, kidney dialysis, kidney disease, Alzheimer, dementia, crippling arthritis, etc. The bottom line if you have a serious health condition after your Open Enrollment Period ends you could be denied coverage by the insurance company offering the Medicare Supplement.
    Answered on February 21, 2017
  2. 406 POINTS
    Coby Higgins
    Licensed Independent Agent, Texas Insurance Alliance, Little Elm, TX
    Most chronic conditions will be knock out questions. Generally Medigap policies have medical underwriting. However, there are initial time frames where you can sign up for a Medigap policy with no medical underwriting. There's a guaranteed enrollment period & open enrollment period. It's best to talk to a licensed agent to look at your options. If you are not able to do a Medigap policy, you should consider an Advantage plan. There are good plans out there that still cap your out of pocket costs unlike original Medicare & those generally include prescription drug coverage as well.
    Answered on February 22, 2017
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