Medigap Plans Can Refuse To Insure You—Here’s What To Know

Key Takeaways Insurers can deny people Medigap policies for pre-existing conditions if someone tries to purchase a policy outside of a one-time open enrollment period. Some states offer annual guaranteed issue protections for Medigap policies, but most do not. Before you enroll, carefully weigh the pros and cons of Medicare Advantage versus Medigap with Original Medicare, as switching later can be difficult. Choosing a health insurance policy in retirement can be a consequential decision, affect ...