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When can I buy a Medigap Insurance Plan Without Health Questions?

You never have to answer medical questions about your health during your Medigap open enrollment period. Insurers are required to sell you a Medigap Plan in spite of any current health problems you may have, or any you have had in the past.

Your Medigap insurance open enrollment period begins on the first day of the month in which you are BOTH at least 65 years old AND you are enrolled in Medicare Part B. Your open enrollment period typically lasts for six months, although certain states may have additional open enrollment periods that include people who are under 65.

During this open enrollment period, an insurer cannot put an exclusion on preexisting health conditions. Even if you have cancer, heart disease or another serious illness, your application for a Medigap Plan cannot be denied during open enrollment. Medigap Insurance.

Since open enrollment typically only lasts for six months, it is important to decide which Medigap Plan you want well in advance of your 65th birthday. Medigap Plans cover you as an individual, and do not provide coverage for your spouse. Each of you will need to apply for your own plan.

You will also need to choose between an AARP Medigap Plan and a Medicare Advantage Plan. It is illegal for an insurer to sell you a Medigap Plan if you already have either a Medicare Advantage Plan or Medicaid.

In addition, you’ll need to find insurers that are licensed in your state so they can sell you a legitimate Medigap Plan.

How can my Medigap Insurance Enrollment Save me Money?

Medigap open enrollment can save you money in several ways. If you apply outside of open enrollment, you will have to answer medical questions about your health. If you have serious health problems, insurers may deny your application, which leaves you responsible to pay for more of your medical expenses without the help of a Medigap Plan.

If you apply after your open enrollment, insurers can apply a pre-existing condition clause to your Medigap Plan. Expenses resulting from a condition existing six months prior to the Medigap Plan’s effective date will not be covered unless they are incurred three months after the Medigap Plan’s effective date. In certain instances, insurers can refuse to pay for your out-ofpocket expenses for pre-existing conditions for as long as six months.

When you miss your open enrollment period, you risk having your application being denied all together, having your coverage limited, or having to pay higher premiums than if you apply during open enrollment.

When you apply during your open enrollment, insurers must sell you any Medigap Plan they offer for the same price they charge people who are in good health. Since you answer no health questions, insurers cannot use your medical history to deny coverage, or charge you higher rates.

Your right to buy a Medigap plan is similar to Dental insurance may also be guaranteed at other times in specific instances, and we’ll explain that on the next page.

Outside of open enrollment, insurers are not required to sell you a Medigap Plan, but they are not prevented from doing so either. Insurers have different standards, so it is possible that one insurer could deny your application and a different insurer would sell you a Medigap Plan.

NEXT: Medigap Guaranteed Issue Period

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