Outside of your Medigap Open Enrollment Period and guaranteed issue rights, insurance companies can use medical underwriting to deny coverage or charge higher premiums for pre-existing conditions. During your Medigap Open Enrollment Period (6 months starting when you turn 65 and enroll in Part B), companies CANNOT deny coverage or charge more.
Key Points
- During Medigap Open Enrollment Period: cannot be denied coverage
- Outside Open Enrollment: medical underwriting applies
- Guaranteed issue rights: specific situations where you cannot be denied
- Birthday rule states: switch plans without underwriting during birthday month
- An independent agent can identify your guaranteed issue rights