Can You Be Denied a Medicare Supplement Plan? What You Need to Know

If you’re approaching Medicare eligibility, you’ve likely heard about Medicare Supplement (Medigap) plans — coverage that helps pay for the out-of-pocket costs Original Medicare doesn’t cover, such as deductibles, coinsurance, and copayments.

These plans offer predictability, peace of mind, and freedom to see any doctor that accepts Medicare. But one question we often hear at Boomer Insurance Group is:

“Can I be denied a Medigap plan?”

The answer is: It depends on when and how you apply. Let’s break it down.

The Medicare Supplement Open Enrollment Period (OEP)

The best time to enroll in a Medigap plan is during your one-time Medigap Open Enrollment Period, which:

• Begins the month you turn 65 AND are enrolled in Medicare Part B

• Lasts for 6 months

During this period:

• You cannot be denied coverage

• Insurance companies can’t charge you more due to pre-existing conditions

• You can choose from any Medigap Plan available in your state

This is a guaranteed issue right — no health questions, no underwriting.

Outside Open Enrollment: Yes, You Can Be Denied

Once your 6-month Medigap Open Enrollment ends, most insurance companies can require medical underwriting if you apply for coverage.

This means:

• You’ll answer health questions

• You may be asked for medical records

• Your application could be denied or result in higher premiums

If you have chronic health issues or recent hospitalizations, you may not qualify for some plans — or may be offered a limited selection.

Situations Where You Have Guaranteed Issue Rights (Even Outside OEP)

There are certain special situations where you still have the right to buy a Medigap plan without denial or higher rates, such as:

• Losing employer-sponsored Medicare coverage

• Your Medicare Advantage plan leaves your area

• Your current insurer goes out of business

• You leave a Medigap or Advantage plan within the first 12 months (Trial Right)

Each situation has time limits and specific rules, so it's critical to act quickly.

How to Improve Your Chances if You’re Applying Outside OEP

If you're applying for a Medicare Supplement plan later on and don't have a guaranteed issue right:

• Work with an independent Medicare advisor (like Boomer Insurance Group)

• Compare underwriting guidelines from multiple insurers — they vary widely

• Consider Plan G or High-Deductible Plan G, which are often more flexible

• Know your medications and medical history in advance

We can help you find the carriers most likely to approve your application — and suggest backup options if needed.

Key Takeaways

• You cannot be denied a Medigap plan during your 6-month Open Enrollment Period after enrolling in Medicare Part B.

• Outside of that window, you may be denied or charged more based on your health.

• There are special situations where you’re guaranteed acceptance.

• Working with an experienced Medicare advisor can maximize your options and minimize surprises.

Need Help Finding a Medicare Supplement Plan? We’ve Got You.

At Boomer Insurance Group, we specialize in helping people find Medicare Supplement plans that fit their health needs and budget. Whether you’re turning 65 soon or applying later in life, we’ll guide you every step of the way — and fight to get you the coverage you deserve.

Contact us today for a no-pressure consultation or quote.