you're only guaranteed a medigap plan within the first six months of becoming eligible for medicare. after that insurers can take the state of your health into consideration when deciding whether or not to sell you a plan and for how much. that's why experts often suggest people think carefully before switching from traditional medicare to medicare advantage. it's the one part of medicare that doesn't guarantee coverage beyond the initial eligibility period. i would suggest you contact your state health insurance assistance programs for free unbiased help. people there will be familiar with the specific plans available in your state and help walk you through the selection process.
are there any medigap insurance plans in nyc that cover pre-existing conditions with no 6-month waiting period? . 81 years old i would like to switch from my current coverage medicare advantage plan (aarp) to traditional medicare plus part f medigap plus part d during open enrollment but was diagnosed with peripheral t-cell lymphoma in september. will my age and pre-existing condition affect my premium?