If you are new to Medicare the Medigap carrier is not allowed to ask any health questions at all. Your health will have no bearing on the premium, nor will it affect you getting approved or not. While in your initial enrollment period with Medicare you can get any Medigap plan of your choice regardless of your health.
If you are outside your initial enrollment onto Medicare you can change your plan but you have to undergo “health underwriting.” In this case, the insurance company either will accept you onto a new policy, or they will decline you. If they accept you onto their policy, coverage generally starts on the requested effective day and you are usually covered 100% on that day. There are exceptions to this and some insurance companies will impose a pre-existing condition exclusion if you did not have credible coverage prior to applying. Credible coverage can be another Medicare Supplement plan, a group plan, an individual plan, or something else.
To find out if you will be accepted onto a new policy, please call us at (800) 208-4974.