To buy a Medigap policy, you must have Medicare Part A and Part B. You are guaranteed the right to buy a Medigap policy if you are in your Medicare open enrollment period or covered under a Medigap protection. You might not be able to buy a Medigap policy if you are in a Medicare Advantage Plan, have Medicaid, already have a Medigap policy or are under the age of 65 and you are disabled or have End-Stage Renal Disease. Outside of the guarantee periods allowed by Medicare,you will usually be required to answer some medical questions to determine if you qualify for the plan.
Many Medigap Plans cover pre-existing conditions.This is when you have a health problem you had before the date a new insurance policy starts. In some cases, if you have a health problem before your Medigap policy started, a Medigap insurance company can refuse to cover that health problem for up to six months. This is called a “pre-existing condition waiting period.” The insurance company can only use this kind of waiting period if your health problem was diagnosed or treated during the six months before a Medigap policy started.
For more information please visit us @ www.medigap4seniors.com, or call us at 888-502-5553 to speak with one of our Medicare experts.