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Q: Exceptions to "Open Enrollment Period" for Medicare Supplement (Medigap) ( No Answer,   0 Comments )
Subject: Exceptions to "Open Enrollment Period" for Medicare Supplement (Medigap)
Category: Health > Seniors
Asked by: plt-ga
List Price: $20.00
Posted: 09 Sep 2005 14:04 PDT
Expires: 12 Sep 2005 08:07 PDT
Question ID: 566181
When I was age 65 (on 11/11/02), I got Medicare A & B, and also got
Medicare Supplement (medigap) with BlueCross-BlueShield of Texas under
the "Open Enrollment Period" of Medicare, when all such applicants
must be accepted by insurance companies.

Later, I found out I already have Group Health Coverage (Aetna PPO)
with my church mission in New Jersey. So, I cancelled BCBS Medigap on

NOW, at age 67, I am quitting the employment and will soon NOT be
eligible for group health coverage.

QUESTION: Can I reapply for Medigap (medicare supplement) with any
insurance company--WITHOUT GOING THROUGH "UNDERWRITING"? Does the
Medigap Protection (Guaranteed Issue Rights)of Medicare apply in my
case? If yes, which insurance company would issue such policy WITHOUT

Remarks: I talked with MEDICARE and got a "Yes" answer (because I had
been under employer health coverage); I talked with BLUE CROSS and got
a "No" answer (because I was not under a Medicare supplement HMO
policy); I talked with an insurance agent and got a "NO" answer"
(because the employer did not go bankrupt or terminated coverage for
ALL its employees). Which is correct?
There is no answer at this time.

There are no comments at this time.

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