Medicare
Going from Medicare Advantage to a Medigap policy: will they ask health questions?
Outside the special windows that protect you, a Medigap insurer can usually ask health questions and decline you or charge more. That is why timing matters when you think about leaving a Medicare Advantage plan for Original Medicare and a supplement.
When you are protected
- During your six-month Medigap open enrollment period that starts when you are 65 and enrolled in Part B.
- When your Advantage plan ends or leaves your area.
- In a few states, which have extra protections for changing supplements.
When you may not be
If you leave an Advantage plan on your own after your protected window, an insurer in most states can ask about your health. Ask about your state's rules before you drop a plan.
Have this ready when you call
- Your date of birth
- The date you first had Part B
- Your current plan
Common questions
Is there a trial period?
If you joined an Advantage plan when first eligible, you may have a trial right to return and buy a supplement. Ask about your dates.
What if I am declined?
You may still have options in a state with extra protections or by choosing a different insurer. Ask us.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.