No recent or current critical conditions
Not requiring assistance for daily living activities
No pending surgeries or test results
The 3/3/3 Rule! See below!
Medicare Supplement underwriting is straightforward. Here's what typically qualifies you:
The 3/3/3 Rule — It's Simpler Than You Think - Most people qualify easily. The only combination that raises a flag is if you are taking 3 or more medications for each of these three conditions all at the same time:
Blood Pressure | Cholesterol | Diabetes
That means taking 1, 2, or even 3 medications across these categories in any combination — 1/1/1, 2/2/2, 1/2/3, 2/1/3 — you very likely still qualify. The most common disqualifier is hitting 3 or more medications for all three conditions simultaneously.
Not sure about your count? A licensed advisor will walk through it with you — no pressure, no obligation.
Medicare Supplement plans are standardized by the federal government. Each insurance carrier has the right to accept you as a client and begin to cover your medicare costs. It is up to them based on their health questionnaire. As long as you qualify, they are happy to accept you. It is simply a business.
No. medicare advantage is a totally different situation. You would have to go through a completely different process to be enrolled into that. In fact, your safest bet is getting in touch with us and letting us handle your coverage going forward so you can safely bet that you won't be enrolled into a Medicare Advantage plan without your permission.
No. Medigap is a term for Medicare Supplement. Medicare Advantage takes the place of your Original Medicare and becomes your primary insurance.
No. You can enroll into a new supplement/medigap plan any time of the year, as long as you pass their underwriting screen.
Anyone who was eligible for Medicare before January of 2020 can always enroll into a plan F. Your Medicare Card has dates on it. if one of the dates is prior to January 2020, you will be grandfathered into the Plan F and can always choose it.
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