1. 2275 POINTS
    Bill LougheadPRO
    President, SummitMedigap.com, CO, FL, GA, MI, NC, SC & TX
    The short answer is it depends.  When you turn 65 and start your Medicare Part B you will get a 6 month window where you can choose any Medigap Insurance Plan you like.  There will be no health questions and you can not be denied.

    After you turn 65 and are past the 6 month window of signing up for Medicare Part B then you can still get a Medigap Plan.  With most carriers there will be 10-12 health questions that you will need to answer in order to get approved.  Working with an independent agent that specializes in Medigap Insurance will help you to choose the insurance carrier that fits your health situation the best.  Most of the health questions are centered around big and recent health issues.  I would not be concerned with getting denied I would just contact an expert to help you through the process.

    Once you have a Medigap Insurance it is guaranteed renewable which means it can never be canceled on you as long as you pay the premiums.  I would be happy to answer any other questions you have.
    Answered on August 3, 2014
  2. 11498 POINTS
    Jason GoldenzweigPRO
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    If you're applying for a Medigap plan outside of your initial open enrollment period, you can be denied for coverage depending on your health history and responses to the health questions on the application.

    The best time to apply for a Medigap plan is during your initial open enrollment period because you can apply for any Medigap plan from any carrier and you cannot be denied for coverage due to any pre-existing conditions or other health-related illnesses. The initial open enrollment period is a 6-month window that starts from your Medicare Part B effective date.

    I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions. Thanks very much.
    Answered on August 4, 2014
  3. 42 POINTS
    Joann Quinn
    Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
    Like the previous agents noted, depending on your enrollment status and any qualifying events, you may be able to get a Medigap Plan Guaranteed Issue...which means you can't be denied.

    Outside of that, you'll have to answer health questions on the insurance application.  That is why it's important to work with an independent agent specializing in Medicare Supplement insurance. Independent agents are not employed by the insurance companies, but instead work for you.  This is very beneficial because we have access to numerous insurance companies. The health questions with every company are unique...as is each individual person. 

    Thank you for reading my reply.  Please let me know if I can be of further assistance.
    Answered on August 4, 2014
  4. 2310 POINTS
    Steve AdlmanPRO
    Owner, Alabama Medicare Plans, Birmingham, Alabama
    If you are in your Open Enrollment Period for a Medicare Supplement you cannot be denied coverage for any medical reason. Your Open Enrollment Period is for six months after your Part B coverage is activated. Outside of your Open Enrollment Period you can be denied coverage if you have serious pre-existing health conditions. There are a few carriers that offer Medigap Insurance that instead of denying you coverage will charge a much higher premium in order to cover the pre-existing health conditions.
    Answered on June 18, 2016
  5. 1866 POINTS
    Paul RothPRO
    Senior Commercial and Annuity Specialist, Freedom Brokers, Marion, Carbondale, Harrisburg IL
    If you look at the answers above, they explain the medigap question well. However, there is an affordable alternative to medigap that may cover some of those holes in Medicare coverage.
    Medicare Advantage plans, while not an insurance policy, were developed by insurance companies as an affordable alternative to Medigap plans and are coordinated with Medicare. Medicare Advantage plans are sold only by licensed agents who also certify with a carrier in your area to sell what is becoming more popular in today's market. These agents also will be able to help you with your part D prescription coverage.
    Outside that initial period where you are guaranteed coverage, you have an annual election period, which goes from October 15th to December 7th of each year for the following calendar year. During this period, if you have Medicare Part A and are paying the Part B premiums, and live in the service area covered by the plan, the only reason that you can be denied coverage is if you have end stage renal disease (think kidney failure) There are no other health questions for Medicare Advantage plans. Go see an agent that can give you all options, a medigap policy and a Medicare part C, and Part D plans.
    There is no one size fits all, so find an agent that can give you all the options.
    Answered on July 7, 2016
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