How to Change Medicare Supplements WITHOUT Health Questions

Are you wondering if you can change your Medigap coverage without answering health questions? In this video, we’ll dive deep into the strategies for switching Medicare Supplement plans effortlessly. We'll cover the Medigap Open Enrollment Period, the prime time for making changes without medical underwriting, and explore Guaranteed Issue Rights, which provide additional opportunities to switch plans under certain conditions. By the end of this video, you’ll clearly understand these crucial enrollment periods and how they can work to your advantage.

⏰ Video Timeline:

00:00 - 01:43 - Introduction
01:44 - 09:22 - The Medigap Open Enrollment Period
09:23 - 15:35 - Medigap Guaranteed Issue Rights
15:36 - 19:06 - State-Specific Medigap Guaranteed Issue
19:07 - 19:56 - Outro/Conclusion

🔍 What You'll Learn:

1. Medigap Open Enrollment Period: Discover the best time to switch Medigap plans without medical underwriting.

2. Guaranteed Issue Rights: Learn about situations that allow you to change plans without health questions.

🚀 Why Watch?

- Gain insights into the process of changing Medigap plans.
- Understand the protections and restrictions of different enrollment opportunities.
- Get practical tips and examples to make informed decisions about Medigap coverage.

👋 About Us:

At Giardini Medicare, we're dedicated to making your Medicare transition smooth and stress-free. As a family-owned, independent Medicare insurance agency based in Michigan, we specialize in helping you navigate Medicare Advantage and Medigap policies. Our mission is to provide personalized service, ensuring you find the best plan that fits your unique needs at no extra cost. We pride ourselves on being education-focused, offering resources and guidance to help you make informed decisions. Join thousands of satisfied clients who trust us for their Medicare needs.

🌐 Connect With Us:

Call us at 248-871-7756 to schedule a phone appointment. For more Medicare insights, subscribe to our channel and turn on notifications.

🔗 Helpful Links:

📝 Video Sources:

Stay tuned for Part 2, where we cover the medical underwriting process for changing Medigap plans!

#Medicare #Medigap #MedicareSupplement #MedicareEnrollment #HealthInsurance #GiardiniMedicare #SeniorHealth #Underwriting

[mews]

Im your fictitious Becky changing from plan G to plan N in my current OEP. Turning 65 next month. Thanks from Louisiana.

[cyoda]

Very informative video - unfortunately here in Texas the only birthday rule is that you get to eat cake! 🎂 looking forward to the next video on medical underwriting. You guys really have the best videos on this subject…

[JK-ldcd]

if you have plan N or G and you move to another state, say PA to FL, do you have to go thru underwriting?

[jeffs]

If "downgrading" from a Plan N to a HDG in South Carolina do you have to undergo underwriting?

[sherrykent]

Purchased medigap while living in NV but moved to FL, does my switch to another medigap plan (same letter G) allow me to move to another company for same plan G near my birthday as your NV rules state, or am I bound to FL rules even tho my plan moved with me?

[anhnguyenghet]

I am in WA. Currently have Medicare advantage for two years now. Can I apply for Medigap anytime now without medical underwriting?

[ks]

I had medigap in nys.. went to Tennessee both Humana and they increased it almost double within a year. I assume because I have a nys Humana in Tennessee. It’s more than nys Humana and more than tennessee Humana and no one can explain it.

[gerardmoran]

Illinois Birthday Rule: I have a standard Aetna plan G now. If I switch to an Aetna High Deductible G plan (GHD), is that considered an 'Equal' benefits/coverage plan or a 'Lessor' benefits/coverage plan when compared to my current standard G plan - in terms of Illinois' Birthday Rule? I ask because if I don't like the GHD plan, the following birthday, will I be able to switch back to Aetna's standard plan G w/o medical underwriting (MU)? Also, if I do switch to Aetna's GHD this birthday, on next year's birthday would I be able to switch to an Aetna N plan w/o MU? In other words, is plan N considered to be a 'lessor' benefits/coverage plan then plan GHD? Basically, I realize that the benefits/coverage of GHD is better than plan N because GHD covers any Excess Charges and has no copays, but in terms of what is allowed by the Illinois Birthday Rule for no MU questions, does GHD's huge Deductible ($2800 in 2024) somehow make it 'lessor' to plan N?