Can I be denied for a Medicare Supplement plan?

Question

Tony Capraro III · Accepted Answer

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Joseph Meyers · Answer

In Michigan (where I primarily help ppl) when turning 65 or leaving credible work group coverage you are granted guaranteed acceptance into a medicare supplement plan(medigap)

Outside of that situation there will be health questions and underwriting to determine acceptance into a supplement (medigap) plan

Yasmery Vargas · Answer

The short answer is Yes. If you are outside of your enrollment window and attempt to enroll in a Medicare supplement, you will be subjected to the underwriting questions. Its best practice to enroll in a Medicare supplement plan when you are new to 65 as it is a guaranteed issue.

Answered by Yasmery Vargas on April 29, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Diana Salisbury · Answer

Yes if you are out of your initial enrollment period with Medicare,  

Or If you have been on an advantage plan and now want to try out a Medicare supplement, you will be asked medical questions on an application and could be denied coverage due to some specific health issues.

Vachik Chakhbazian · Answer

Yes, it's possible to be denied a Medicare Supplement (Medigap) plan, but it depends on the circumstances and when you're applying. Generally, you can't be denied for pre-existing conditions if you are in your 6-month Medigap open enrollment period or during other guaranteed issue periods.

Answered by Vachik Chakhbazian on April 27, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Fred Manas · Answer

Yes.
You can be denied for a Medicare Supplement (Medigap) plan, particularly if you apply outside of your initial enrollment period or a guaranteed issue period. 
Insurers can deny coverage or impose waiting periods for pre-existing conditions outside of these periods.

Robert Barco · Answer

You get a one-time six-month open enrollment when you turn 65 and first become eligible for Medicare Part B. At this time, you can sign up for a Medicare supplement without any health questions. You will not be denied coverage. If you wish to purchase a Medicare Supplement or Medigap after your 6-month open enrollment, you will need to pass underwriting, and you can be denied coverage due to health.

Answered by Robert Barco on April 27, 2025

Broker Licensed in OH

Answered by Robert Barco Medicare Insurance Agent

Brandon Brown · Answer

Yes, you can be denied a Medicare Supplement (Medigap) plan if you apply outside your Open Enrollment Period or without a guaranteed issue right.

During your 6-month Open Enrollment (starting when you’re 65+ and have Part B), insurers must accept you no matter your health.
Outside of that, companies can ask health questions, charge more, or deny coverage.

Some states offer more protections, but in most places, timing is key to avoid being denied.

Can I be denied for a Medicare Supplement plan?

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Can I be denied for a Medicare Supplement plan?

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