I lost (or dropped) my health care coverage. Can I buy a Medicap policy?
In some cases you have a guaranteed issue right to buy a Medigap policy. For example, if your health coverage ended. If you lost or dropped your health coverage or joined a Medicare Advantage Plan, make sure you keep
- a copy of any letters, notices, and claim denials as proof of coverage
- anything that has your name on it
- the postmarked envelope these papers come in as proof of when it was mailed.
It’s important to keep this information because you may need to send a copy of some or all of these papers with your Medigap application to prove you have a guaranteed issue right and don’t need to answer medical questions.
It’s best to apply for a Medigap policy before your current health coverage has ended. You can apply for a Medigap policy while you are still in your health plan and choose to start your Medigap coverage the day after your health plan coverage ends. This will prevent breaks in your health coverage.
Important: The guaranteed issue rights in this section are from Federal law. Many states provide additional Medicare rights. Call your State Health Insurance Assistance Program or State Insurance Department for more information. There may be times when more than one situation applies to you. When this happens, you can choose the guaranteed issue right that gives you the best choice.