Find out when you have to medically qualify to switch Medicare Plans. Discover when you need to answer medical questions and how the Medicare underwriting process works.
You will need to medically qualify under the following circumstances:
- Switching from Medicare Advantage to Medicare Supplement
- Switching from Medigap Plan to different Medigap Plan
Moreover, you will need to pass medical underwriting when you enroll in a Supplement Plan outside your Medigap Open Enrollment Period.
MedicareBob says if you are not medically eligible to switch Medicare plans, you will not be able to. In other words, to change Medicare plans, you need to pass medical underwriting. Furthermore, he says, “if you do not get a supplement when you first turn 65, you will have to medically qualify later in life to get one.” When you apply after your Medigap Open Enrollment Period, carriers will ask you health questions. Discover some of the most common underwriting questions.
Guaranteed Issue Rights
When you first turn 65 or otherwise qualify for Medicare, you may have guaranteed issue rights. In other words, Medigap companies must cover all your pre-existing health conditions and can’t charge you more for past or present health problems. Moreover, you also have a “trial right” to try a Medicare Advantage Plan and still buy a Medigap policy if you change your mind.
Switching Medicare Plans
If you have a Medicare Supplement and want to switch carriers and save money, you can change your Medigap plan anytime. Senior Healthcare Direct can help you shop and save on your Medigap Plan. Find out if you medically qualify by calling 1-855-368-4717 or get your quote.