FAQ Friday: Do I Have To Medically Qualify For Medicare
You do not have to medically qualify for Original Medicare. Everyone who is 65 or older is entitled to Medicare Parts A and B without having to medically qualify. If you are under 65 and have been on disability for two years or more, you are also eligible for Medicare Parts A and B without having to medically qualify.
In order to purchase a Medicare Advantage Plan, there was only one medical question that you had to answer to qualify, “Do you have End Stage Renal Disease (ESRD)?” Before 2021 having ESRD could disqualify you. However, ESRD restriction will be removed in 2021. Thus, you will be able to join a Medicare Advantage Plan if have have ESRD.
As far as a Medicare Supplement (Medigap), everyone has the opportunity to get a Medicare Supplement when they first turn 65, or when they first start Medicare Part B, without having to medically qualify. This is called your Open Enrollment Period and it begins 6 months before and ends 6 months after your 65th birthday or your Medicare Part B start date. After that time frame, everyone is subject to medical underwriting. The Medicare Supplement medical underwriting process only consists of around 20 medical questions, there is no physical or lab work. There are around 30 different carriers that offer Medicare Supplements and they all have different guidelines. In general, most carriers want at least a two-year stable bill of health.
Senior Healthcare Direct is licensed and appointed with over 30 of the top Medicare Insurance carriers for this reason. Every year we perform annual policy reviews for our clients and having access to these carriers allows us to shop every possible option for our clients. As for any potential clients, if they are not able to medically qualify with one carrier, we will research all of our licensed carriers for a carrier that will approve them.
If you have any questions regarding Medicare, it’s plans or coverage, please give our office a call at 1-855-368-4717 or visit one of our pages:
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