Medigap rights ensure that you are able to obtain insurance in situations where it would have otherwise been impossible. In short, your rights include:
– The ability to purchase Medigap insurance even if you have a pre-existing condition
– Medigap insurance must cover your pre-existing condition
– Medigap rates cannot be raised based on present or past health conditions
– Additionally, in many cases a Medigap insurance company is obligated to sell you a policy if you have lost or dropped some other form of health care coverage
Following are some more important facts about your Medigap rights. This information can help you know when you are entitled to Medigap insurance and which forms of insurance you cannot be prevented from buying.
What to Do When Your Needs Change – Purchasing a New Plan
If you are in a Medicare Advantage Plan and this plan leaves Medicare, goes bankrupt or stops providing coverage for your area, you have the right to buy a Medigap A, B, C, F, K, or L health care plan. This can be done as early as sixty days before the end of your present health care coverage or as late as 63 days after your former plan has expired.
If you are enrolled in an Original Medicare plan, employer ground health plan, COBRA coverage, retiree plan or union plan and said plan is ending, you have the right to buy Medigap plan A, B, C, F, K, or L. What is more, you may have additional rights under state law.
When you have an original Medicare and Medicare SELECT policy and move out of this policy’s service area, you have the right to purchase any one of the Medigap plans noted above. You can buy one of these policies either from the state you are presently residing in or the state you are moving to.
It is important to note that there are some cases where a person who drops or loses health care coverage is not entitled to purchase a Medigap policy. In order to ensure that your Medigap insurance purchase is not rejected, it is advisable for you to keep a copy of any letters, notices and/or claim denials that you have received from your present or former health care provider. Be sure to keep the envelope as well, as it will prove when the papers in question were mailed to you. Whenever possible, purchase your new Medigap policy before your current policy expires, as doing so ensures that you have the health coverage you need, when you need it.