Medigap Monday: Medical Qualifications for Diabetes with Most Carriers

In order to switch a Medicare Supplement after the age of 65 you must medically qualify. You do not have to be as healthy as a 30-year-old but most carriers want at least a two-year stability of your health. In this post, we are going to go over the qualifications for most carriers with those that have diabetes. First thing is, from the carrier’s perspective there is no such thing as “pre-diabetic”. If you are taking medication for diabetes, in the carrier’s eyes, you are diabetic. The biggest thing they are looking for is at least two-years stability with your diabetes.

The carriers are looking for:

  • A two-year stability of your diabetes with any heart issues. For example, if you have high blood pressure in combination with diabetes, they want that to be consistent and stable for at least two years.
  • There is a limit on the amount of diabetic medications you can be taking in combination with a heart pillar blood pressure medication. For example, if you take a blood pressure medication or any medications for your heart, they are going to limit you to two diabetic prescriptions.
  • If you are not on any blood pressure or heart medications, carriers will be a lot more lenient when it comes to your diabetes. Some carriers allow up to 4 or 5 diabetic medications.

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