During the Medigap Open Enrollment Period and guaranteed issue rights periods, Medicare Supplement plans cannot deny coverage or charge more based on pre-existing conditions. Outside of these periods, companies can impose a 6-month waiting period for pre-existing conditions (except in some states).
Key Points
- During OEP and guaranteed issue: no pre-existing condition exclusions
- Outside OEP: 6-month waiting period for pre-existing conditions may apply
- Some states have additional protections
- At age 65: enroll during OEP for guaranteed coverage
- An independent agent can help you understand pre-existing condition rules in your state