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Medigap Underwriting Explained: When You Can (and Can't) Be Turned Down

Medical underwriting for Medigap plans isn't always required. Learn when you have guaranteed issue rights and when health questions apply.

Your Medigap Open Enrollment Window

You have a 6-month window starting the month you're both 65+ and enrolled in Part B during which you can buy any Medigap plan sold in your state with no medical underwriting, regardless of health conditions.

Guaranteed Issue Rights

Outside that window, certain situations — like losing employer coverage or your Medicare Advantage plan leaving the area — can trigger guaranteed issue rights, letting you enroll without underwriting.

When Underwriting Applies

Outside your initial window and without a guaranteed issue right, carriers may ask health questions and can decline coverage or adjust pricing based on your answers.

Key Takeaways

  • Your 6-month Medigap Open Enrollment window guarantees acceptance regardless of health.
  • Guaranteed issue rights can apply outside that window in specific situations.
  • Outside both, medical underwriting may affect your ability to enroll or your price.

Underwriting and guaranteed issue rules vary by state. Confirm your specific rights with a licensed advisor before changing coverage.

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