About 7 minute read
Overview
People often hear guaranteed approval and assume it applies any time. It applies inside specific windows: your six-month Medigap open enrollment period, and defined guaranteed issue situations.
How it works
Inside those windows, a carrier cannot use your health history to decline you or raise your rate.
What to watch for
Outside them, approval depends on underwriting, which varies by carrier and by state.
What to do next
Identifying which window you are in is the first thing an educational review should establish.
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Book your free 15-min callThe information on this site is educational only and is not medical, legal, or tax advice. Medicare Supplement (Medigap) benefits are standardized where applicable, but premiums, availability, and underwriting rules vary by carrier and by state. Gilbert Services Southwest is not affiliated with or endorsed by the federal government or the Centers for Medicare & Medicaid Services. Please consult a licensed insurance professional about your individual circumstances.
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