Blogs
- Open Enrollment 2023 FAQ
- Get Ready! Medicare Open Enrollment Begins October 15th
- Ten Shocking Medicare Stats
- Minimize Home Care Costs with Medicare
- 4 Ways to Make Your Home Safer for Loved Ones with Alzheimer’s Disease
- 7 Million Californians to Benefit from State-Run Retirement Plan
- 5 Ways to Get the Most from Medicare
- How to Spot Medicare Open Enrollment Scams
- 200,000 Doctors are Turning Away New Medicare Patients
- Doctors Warn Patients About Upcoming Medicare Changes
- The Mystery of Medicare
- Medicare Cost Plans vs. Medicare Advantage
- Shopping for Medicare Last Minute
- 5 Reasons to Switch Your Medicare Advantage Plan
- Medicare Help: Get Help Choosing a Hospital
- What do Medicare drug plans cover?
- How Medicare Online Works for Medicare Beneficiaries
- Medicare Part A Costs
- When to buy Medigap Insurance
- The Latest in the Battle for Prescription Drug Coverage
- Don’t Miss These Medicare Deadlines
- 4 Tips for Protecting Your Retirement Savings
- Medicare Open Enrollment Starts Soon
- The Ultimate Retirement Checklist
- Health Care to Cost $10K Per Person
- 8 Things Seniors Should Know About Hospice Care
- Do seniors know enough about their Medicare choices?
- Retirement Plans You Might Regret
- Medicare Penalized for Being Too Careful
- Paul Ryan’s Plan to Make Medicare a Voucher Program
- Thrown Away: $3 Billion in Cancer Drug Spending Wasted
- How Seniors are Winning with Home Care
- Medicare Facts - Are Injections Better Than Eye Drops for Addressing Cataracts
- 3 Things You Don’t Know About Medicare But Should
- Americans Want Medicare to Cover Obesity Treatments
- Best Places to Retire with Affordable Healthcare
- Medicare to Test New Drug Pricing for Doctors and Hospitals
- Retirement – 5 Websites Made for Retirees
- Medicare Home Health Agencies
- Medicare Part B Costs And Coverage 2016
- Medicare Advantage is Changing in 2016 – Are you Ready?
- Choosing a Home Health Agency
- Medicare Part D Costs and Coverage 2016
- DIY Guide to Medicare Shopping
- Should Medicare Cover Genetic Sequencing?
- CMS Bars Cigna from Enrolling New Medicare Members
- Is Medicare for All an Achievable Goal?
- Trump – Medicare Should Negotiate Drug Prices
- A Guide to Medicare Part A
- 5 Things You Didnt Know About Medicare
- Medicare News: A Look Back at Medicare Changes in 2015
- Hospital Prices Vary Across U.S.
- Five Ways You’re Wasting Your Retirement Money
- Government Targeting Remaining Uninsured
- Retirement Benefits Set to Change in 2015
- Medicare Costs: These 5 Screenings will Help You Keep Medicare Costs Down
- Medicare Spending: New way to explore Medicare prescription-drug spending
- Infections & Mistakes - Medicare Penalizes South Florida Hospitals
- Three Changes Coming to Medicare in 2016
- Quit Smoking with Help From Medicare
- Get Your Free Flu Shot Before It is Too Late
- Antibiotic Use: When Not to Take Antibiotics
- Medicare Premium Costs Are Not Going to Spike For Now
- A Migraine even without throbbing pain is a migraine
- Deciding on your best options according to your circumstances and needs
- Medicare Advantage Plans (Under part C)
- Medicare Prescription Drug plans (Part D)
- The things that Medicare doesn’t take care of
- Nurture your body by drinking plenty of water
- Avoid paying more for prescription drug coverage
- Dear Coffee lovers, Caffeine may actually be beneficial for you
- How does one select a primary care provider for oneself or a loved one?
- Know how traveling affects your Medicare plans
- Have Medicare costs been worrying you? The good news is, you may qualify for financial hel
- What should be done if I want to make a transition from Health Marketplace to Medicare
- The drawbacks of Medicare Advantage
- Can Medicare Advantage provide quality, savings, satisfaction and access- all together?
- Refining Medicare Advantage
- What are my expectations from a Medicare program?
- Medicare Additional/Supplemental Insurance Plans
- Working towards better American Health care- Medicare Advantage
- Managing out-of-pocket costs and paying for Medicare
- The basics of medicare and how it works
Get Best Medicare
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When to buy Medigap Insurance
As is the case with Medicare insurance policies, it’s important to buy Medigap insurance when you first become eligible. The best time to buy Medigap is during the 6-month open enrollment period, which begins on the first of the month you turn 65. However, you must have Medicare Part B to enroll. If you are 65, and do not have Medicare Part B, Medigap open enrollment begins on the first of the month in which you are both 65 and have Medicare Part B insurance.
If you miss the open enrollment period for Medigap insurance, you may not be able to purchase a policy. Furthermore, those are able to buy Medigap past open enrollment often pay higher rates.
Medigap Open Enrollment
Your Medigap insurance rates are dependent upon Medigap insurance companies who use medical underwriters. These insurance underwriters help insurance companies decide whether or not to accept your application, and what to charge you for your Medigap policy. Your best chance at acquiring good rates is during open enrollment, where you can buy any Medigap policy an insurance company sells -even if you have pre-existing conditions or have health problems - for the same price as those in good health.
After Medigap Open Enrollment
If you miss your Medigap open enrollment period, you may still be able to purchase Medigap insurance but there is no guarantee that an insurance company will sell you a Medigap policy. In order to qualify past Medigap open enrollment, you must meet the insurance company’s underwriting requirements. In some states you may be eligible for a Medigap alternative called Medicare SELECT. With Medicare SELECT, consumers have 12 months to change their mind and switch to standard Medigap.
Health Problems & Medigap
Those with pre-existing conditions or health problems often find it difficult to get insured. Obamacare has made it easier, but there are still challenges. During the Medigap open enrollment period, and insurance company can’t use medical underwriting, which means they can’t prevent you from acquiring coverage. Under the law, insurance companies cannot refuse to sell you a Medigap policy, make you wait for coverage, or charge you more for a Medigap policy because of health problems if you enroll when you become eligible.
If you have a pre-existing condition, insurance companies can make you wait for coverage. For example, a Medigap insurance company can refuse to cover your out-of-pocket costs for pre-existing health conditions for up to six months. After six months, the Medigap policy must cover your pre-existing condition.