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Health

sl8

(16,962 posts)

21. Are you referring to the *Medigap* Open Enrollment Period or the *Medicare* Open Enrollment Period?

Reply to KS Toronado (Original post)

Tue Dec 9, 2025, 07:01 AM

Dec 9

If you're in the one-time, 6 month Medigap Open Enrollment period, pre-existing conditions shouldn't matter. After that period, the insurance companies can deny you or charge higher premiums. That's Federal, a few states have their own rules for Medigap policies that may protect you regarding pre-existing conditions.

The annual Medicare Open Enrollment Period is something else entirely.

https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy#:

Get ready to buy
Your Medigap Open Enrollment Period

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21 replies

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Was looking to get a supplement insurance plan to cover the 20% [View all] KS Toronado Dec 8 OP

Do you have a Medicare Advantage plan now? Freddie Dec 8 #1

No those advantage plans are a rip off KS Toronado Dec 8 #3

Good Freddie Dec 8 #5

i use traditional "real" medicare rampartd Dec 8 #9

I have basic Medicare Jilly_in_VA Dec 8 #2

That 20% they don't pay is eating me alive KS Toronado Dec 8 #6

Same here I don't even have prescription drugs Walleye Dec 8 #8

I have traditional with an AARP supplement Freddie Dec 8 #4

I think the supplemental is called Medigap bucolic_frolic Dec 8 #7

Try Farm Bureau Health & call your senior center & council on aging! SheltieLover Dec 8 #10

FWIW....I recently learned that all medical billing is negotiable. anciano Dec 8 #11

I asked my husband, who knows quite a bit about whathehell Dec 8 #12

Unfortunately you are correct Freddie Dec 8 #14

I got 'put on' MA when I first contacted someone to come explain the differences slightlv Dec 8 #13

Don't kill the messenger Lulu KC Dec 8 #15

Oh--but not if you're young enough! Lulu KC Dec 8 #19

check this out Nigrum Cattus Dec 8 #16

I have Plan "N" supplement here in Maryland wolfie001 Dec 8 #17

If one turned 65 within the last year the rules are different IbogaProject Dec 8 #18

I got caught by that pre-existing conditions thing, too, the first time I applied for a Medicare supplement ShazzieB Dec 9 #20

Are you referring to the *Medigap* Open Enrollment Period or the *Medicare* Open Enrollment Period? sl8 Dec 9 #21