About 5 minute read
Overview
You may apply to change Medigap carriers or plan letters at any time, but outside a guaranteed issue window the carrier can ask health questions.
How it works
Underwriting typically reviews recent hospitalizations, pending procedures, certain diagnoses, and prescription history.
What to watch for
Never cancel an existing policy until a new one has been approved and issued.
What to do next
Some states have birthday or anniversary rules that allow certain changes without underwriting. State rules decide this.
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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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