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Medigap protections

What are Medigap protections?

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Medigap – Medicare supplement insurance

Medigap – Medicare supplement insurance

Medigap plans limit Medicare enrollees’ out-of-pocket exposure, covering coinsurance and deductibles – as well as any medical expenses incurred during travel outside the United States and its territories.

The ‘birthday rule’: a gift to Medigap enrollees?

The ‘birthday rule’: a gift to Medigap enrollees?

Medigap plan changes are limited, but 11 states offer Medigap enrollees special enrollment – and five do it with a 'birthday rule.'

What are Medigap protections?

Medigap protections – also known as “guaranteed issue rights” – require insurance carriers by law to offer you a Medigap policy, prohibiting the carrier from denying you coverage or charging you more for coverage based on reasons that include pre-existing conditions – as long as you enroll during your initial enrollment period or during limited special enrollment periods that are triggered by certain qualifying events.

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