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pre-existing condition

What is a pre-existing condition?

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My wife is retiring and I’m losing the coverage I had through her employer. What are my options until I’m eligible for Medicare?

My wife is retiring and I’m losing the coverage I had through her employer. What are my options until I’m eligible for Medicare?

Depending on where you live, you may have several coverage options until you're eligible for Medicare, including COBRA or state continuation, a privately purchased Affordable Care Act-compliant plan, or a lower-cost plan that doesn’t have to follow the ACA’s rules, such as a short-term medical (STM) policy.

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.

What is a pre-existing condition?

A pre-existing condition is a medical condition that is excluded from coverage by an insurance company because the condition was believed to exist prior to the individual obtaining coverage.

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