Do Medigap plans cover pre-existing conditions?
If you enroll in Original Medicare during your Medicare Initial Enrollment Period (IEP), including Part B, you will have “guaranteed issue rights.”
These rights ensure that you cannot be denied Medicare Supplement enrollment or be charged more based on your age, health status, or pre-existing conditions.
However, if you do have pre-existing conditions, carriers can impose up to a six-month waiting period before your benefits begin.
If you attempt to enroll after your (IEP), carriers can put your application through “underwriting.” This means that they can decide whether or not to accept your application, how much to charge you, and whether or not you will have any coverage restrictions based on your age, health status, and pre-existing conditions.