If you are denied Medicare Supplement insurance due to health conditions, you have several options: apply to other companies with more lenient underwriting, wait for a guaranteed issue rights period, move to a state with birthday rule protections, or consider Medicare Advantage instead.
Key Points
- Denied Medigap: apply to other companies with more lenient underwriting
- Wait for a guaranteed issue rights period
- Birthday rule states: switch without underwriting during birthday window
- Consider Medicare Advantage instead
- An independent agent can help you find companies that may approve you