How do I know if a Medigap policy is right for me, and what's the best time to buy one?
Answered by 9 licensed agents
1. You are in the younger market like age 65 and that gives you a low premium.
2. You're health is not great, many doc visits, maybe a few chronic conditions requiring on going services.
3. Medigap policies follow Medicare's lead, and Medicare patients are treated everywhere. In other words, Medigap clients don't hear "no" when or if they want to go to a specialist locally or anywhere in the country.
Answered by William Kravit on March 25, 2025
Agent Licensed in WI, AZ, CO & 9 other states
Answered by Larry Dalton on March 26, 2025
Broker Licensed in OK & TX
Answered by Melonie Wood on April 21, 2025
Agent Licensed in FL & AL
Answered by Lt Col Tim Brown on April 1, 2025
Broker Licensed in TN, AL, CO & 10 other states
Best time to buy one? When you are healthy. You get a "no questions asked" entry to any Medigap when you are first elegible for medicare, so that is the best time and the easiest time. In the future you have to answer elegiblilty questions and can be turned down for things like heart conditions, diabetes, cancer etc.... Medicare Advantage asks no health questions, but you are restricted to an annual open enrollment period (10/15-12/7 each year).
Answered by David Bell on April 16, 2025
Agent Licensed in ID, AZ, CA & 8 other states
If you’d like additional assistance with this reliable method of determining whether a Medicare supplemental policies appropriate please reach out to me. Charise Karjala 760-831-2736.
Answered by Charise Karjala on April 21, 2025
Broker Licensed in CA, AZ, CO, PA & WA
Answered by Shelly Hefley on April 17, 2025
Broker Licensed in IN, AL, IL, KY & TN
Answered by Kelly Linster on April 8, 2025
Agent Licensed in ND, AZ, CO, IA & SD
Paying one flat fee per month is all they wish to deal with during their busy lives.
The best time to purchase a Medigap policy is when you become eligible. If you wait to purchase it outside your eligibility, you’re just adding extra unnecessary costs to your budget.
Answered by William Scott on April 22, 2025
Broker Licensed in GA, CO, NC, OH, SC & TX
Tags: Advice for Seniors Coverage Medicare Supplement
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