If you enroll in a Medicare Supplement plan outside of your Medigap Open Enrollment Period using medical underwriting, the plan may have a pre-existing condition waiting period of up to 6 months. During the waiting period, the plan will not cover services related to pre-existing conditions.
Key Points
- Pre-existing condition waiting period: up to 6 months
- Applies when enrolling outside Medigap Open Enrollment Period
- Plan will not cover services related to pre-existing conditions during waiting period
- No waiting period during Medigap Open Enrollment Period
- An independent agent can help you avoid pre-existing condition waiting periods