Tuesday, October 18, 2011

Qualifying for Medigap

Applying for Medigap in Georgia? If you are not "guaranteed issue" as defined by Medicare you will be required to answer a few health questions. Every Medigap carrier is different but most use a 5 year look back and want to know if any of the following are true.Are you healthy?

In the last 5 years have you been diagnosed with, or treated for any of the following medical conditions?

  • Alzeheimers, dementia or Parkinsons?

  • Heart attack, pacemaker installed, heart valve replacement, stents, irregular heart beat, COPD, or stroke?

  • Asthma, emphysema, use of oxygen, inhalers or nebulizers

  • Internal cancer, leukemia, Hodgkins, or melanoma?

  • Insulin dependent diabetes, AIDS, ARC, kidney disease or renal failure?

  • Are you cofnined to a wheelchair or do you need a cane or walker for normal daily activities?

  • Are you confined to a nursing home or have you been hospitalized more than twice in the last 2 years?

  • If you answer "yes" to any of these questions you will not be offered a Medigap plan unless you are subject to a Medicare approved guaranteed issue enrollment period.

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