I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?

Answered by 7 licensed agents

on Medicare Advantage Plans there is NO underwriting, so regardless of the health of someone, everyone can get a Medicare Advantage Plan is long is their Part A & B are in effect. Medicare Supplements require medical under writing and based on results could require much higher monthly premiums

Answered by Melonie Wood on March 30, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent
In most cases you do not need to worry as much if you have a Medigap plan. The change in your health could affect your medical costs under a Medicare Advantage plan or your Part D drug plan.

Answered by Joseph Bachmeier on March 25, 2025

Agent Licensed in PA, DE, FL & MD, NC, NJ & SC

Answered by Joseph Bachmeier Medicare Insurance Agent
It is always a GREAT idea to review your coverage. Plans change and as you know, how health care needs change. There may or may not be something better for you. I always encourage plan reviews.

Answered by Nikki Rowland on April 21, 2025

Broker Licensed in SC & NC

Answered by Nikki Rowland Medicare Insurance Agent
If you have a severe or disabling condition that recently occurred and are enrolled in a Medicare Advantage plan you may qualify a (SEP) Special Enrollment Period.

If you have a Medigap plan most likely no changes will be needed.

Answered by Don Hudson on March 30, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent
Your insurance cannot cancel your policy because of your health. Nor can they raise your premiums because you use the policy more. It would only make a difference if you were to try to change a Medicare Supplement. They could tell you no due to healrh questions . I hope that answered your questions

Answered by Debra Weber on March 26, 2025

Broker Licensed in PA, DE, FL & 5 other states

Answered by Debra Weber Medicare Insurance Agent
Your Medicare plan could be greatly affected by your health. There are specialized plans tailored to chronic conditions in certain counties that are greatly beneficial.

A Chronic Condition Special Needs Plan is a Medicare Advantage plan designed for people who have a chronic or disabling condition.

Benefits of a C-SNP can include specialized care, transportation, meal delivery services, access to specialists, telehealth services, and more.

If you need help signing up for a C-SNP, a Medicare Advisor can assist. Call us at 509-216-3069 or schedule a time to chat.

So, whether your health condition has improved or declined, an Advisor can help you understand your options better, even if you already have a C-SNP.

Answered by Betty McCarty on April 17, 2025

Agent Licensed in WA

Answered by Betty McCarty Medicare Insurance Agent
Having a change in your health status is always a great reason to take a closer look at your coverage. It may or may not be necessary, but it's always worth a look.

Answered by Sophia Davis on April 21, 2025

Agent Licensed in OH

Answered by Sophia Davis Medicare Insurance Agent

Tags: Advice for Seniors Coverage

Agents: Share Your Expertise

Have insights or experiences related to this topic? Help others by sharing your knowledge and answering this question.

Add Your Answer