Medicare Supplement Underwriting - AARP Underwriting 2020

Published: Feb. 28, 2020, 5:25 p.m.

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Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

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Medicare Supplement Insurance Underwriting - AARP  

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  Medicare Supplement insurance underwriting is NEVER required when you are first eligible and Apply for Medicare during your initial Open Enrollment Period (OEP). This is a 7-month period: 3 months before you turn 65, the month you turn 65, and 3 months after you turn 65. As a result, you can NEVER be disqualified for coverage based on your health condition during this period. In other words, you can have health conditions and your coverage will NOT be denied. Moreover, the plan can NEVER charge more if you have health issues during OEP. When you apply for Medicare during this period your acceptance into a Medigap Plan is guaranteed. According to Medicare.gov the best time to buy a Medigap policy is during your open enrollment period.  

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When is Medigap insurance underwriting required? 

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  If the first time you enroll in Medicare Supplement Plan is AFTER your initial Open Enrollment Period, Medigap underwriting is required. In other words, you did NOT apply for Medicare during your initial OEP. When you switch to a different Medigap Plan after your initial Open Enrollment Period, then underwriting is required. Likewise, when you switch from Medicare Advantage Plan to Medigap Plan after your initial OEP, then underwriting is required.  

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  Anytime you apply for Medicare Supplement Plan (Medigap) outside your initial Open Enrollment Period (OEP), you will have to answer underwriting questions. Medigap policies are sold by private insurance companies. As a result, some underwriting questions insurance carriers ask will be different. However, many insurance companies ask similar questions. The following are the most common underwriting questions.....

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  Please read more here: https://www.seniorhealthcaredirect.com/medicare-supplement-insurance-underwriting/  

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  One of our agents can help you look into your options! We are here to help!  What does working with one of our agents cost? Nothing! It costs you zero. All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans. We also work with all the Major Medicare insurance carriers: Aetna, Anthem Blue Cross and Blue Shield, Central States Indemnity, Cigna, Coventry, Combined Insurance, Equitable Life, Heartland National, Humana, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life, Wellcare, etc.   

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In order to see if you qualify for this coverage, please give our office a call at 1-855-368-4717 or visit one of our pages:  

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 #MedicareSupplementUnderwriting #AARPSupplementUnderwriting2020

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