Guaranteed Acceptance Guide
Rev 9.2019
Blue Shield CALIFORNIA 

This is just a summary of the major reasons.  Check this entire page and website for all situations and Insurance Carriers.

Enrolled in Medicare and are age 65 or older; or  New to Medicare, are age 64 or younger, and do not have end-stage renal disease

You enrolled with  A Medicare Advantage Plan and the plan is being terminated;

terminated from any employer-sponsored health plan,

moved outside the plan’s service area.

disenrolled from the plan or program within twelve (12) months of the effective date of that enrollment.

You terminated enrollment in a Medicare Supplement plan and subsequently enrolled, for the first time, in any of the following:
• A Medicare Advantage Plan;

MAPD Trial Privileges #02110 Medi-Gap Guide

The company substantially violated a material provision of the contract; or

The company or its agent materially misrepresented a provision of the plan in marketing the contract to you.

You enrolled in a Blue Shield Medicare Advantage Plan, and Blue Shield either:
Reduced any of its benefits;
Increased the amount of cost-sharing or premium; 

You are no longer eligible for Medi-Cal benefits.

References:

CA Health Care Advocates
Federal Choosing a Medi Gap Policy  #02110
Guaranteed Acceptance Guide Blue Shield

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What are the Medical Underwriting Questions for a Medi-Gap policy
if I’m not in a guaranteed issue period, like just turning 65?

Check the paper applications below and review the questions:

Travel Policies

Medicare and You 2020 #10050  
Everything you want to know 

Medicare and you

Different Parts of Medicare 

A = Hospital
B = Doctor Visits - Out Patient
C = Medicare Advantage or Medi Gap
D = Part D Rx

Video

Understanding your Medicare Choices
Medi Gap vs Medicare Advantage

Topics

How to sign up for Parts A & B
Is  your test, service, or item covered?
Original Medicare Parts A & B
Medicare Advantage Plans & Part D Rx
Supplement Insurance (Medigap)
Low Income Help  LIS
Definitions


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6 comments on “Medical Questions – Underwriting – If not in Guaranteed Issue Period?

  1. I’m living outside the USA, if I apply for a Medigap plan and am subject to underwriting, how much extra would coverage cost and what are the underwriting requirements?

  2. I don’t ever want to deal with underwriting because even though I’m a healthy person, the insurance companies
    may look at the info in the MIB and think I am not.

    So it sounds like I should get a regular Plan F at the get go when starting Medicare in June.

    Is that what you would recommend?

    • How healthy are you, related to the questions on the applications above?

      Have your reviewed your MIB Medical Information Bureau File? https://www.mib.com/request_your_record.html

      MIB shouldn’t have anything that isn’t being asked in the applications. There’s a law somewhere that says Insurance Companies cannot deny you based only on the MIB file. They can only use it to indicate things that need to be investigated further.

      If you want the Medi Gap plan with the highest benefits Plan F and don’t want to worry about underwriting, yes.

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