Mutual of Omaha - Medicare Supplement Underwriting - Mutual of Omaha Underwriting 2020

Medicare Supplements (Medigap)

Medicare Supplement insurance underwriting is NEVER required when you are first eligible and Apply for Medicare during your initial Open Enrollment Period (OEP). This is a 7-month period: 3 months before you turn 65, the month you turn 65, and 3 months after you turn 65. As a result, you can NEVER be disqualified for coverage based on your health condition during this period. In other words, you can have health conditions and your coverage will NOT be denied. Moreover, the plan can NEVER charge more if you have health issues during OEP. When you apply for Medicare during this period your acceptance into a Medigap Plan is guaranteed. According to Medicare.gov the best time to buy a Medigap policy is during your open enrollment period.

When is Medigap insurance underwriting required?
If the first time you enroll in Medicare Supplement Plan is AFTER your initial Open Enrollment Period, Medigap underwriting is required. In other words, you did NOT apply for Medicare during your initial OEP.
When you switch to a different Medigap Plan after your initial Open Enrollment Period, then underwriting is required.
Likewise, when you switch from Medicare Advantage Plan to Medigap Plan after your initial OEP, then underwriting is required.

Mutual of Omaha has been offering Medicare Supplement Plans for over 50 years. Mutual of Omaha offers Medicare Supplement Plan F, Plan G and the Plan N. In some states, Mutual of Omaha also offers a High Deductible Plan F or G option as well.

Anytime you apply for Medicare Supplement Plan (Medigap) outside your initial Open Enrollment Period (OEP), you will have to answer underwriting questions. Medigap policies are sold by private insurance companies. As a result, some underwriting questions insurance carriers ask will be different. However, many insurance companies ask similar questions. The following are the most common underwriting questions.....Please read more here: https://www.seniorhealthcaredirect.co...

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:
Website - https://www.seniorhealthcaredirect.com/
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*Not affiliated with the U. S. government or federal Medicare program.

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