What Qualifying Questions Will A Medigap Provider Ask?
Medigap is a private insurance that provides medical expense coverage that Medicare may not cover. The term 'private insurance' may lead to some reluctance in applying but Medigap supplements are regulated by the federal and state governments to ensure it is affordable for many Medicare recipients.
There are ten plans under Medigap but the specific policies will be regulated by each state. Check with your insurance provider to receive a list of the Medigap policies available in your area. Before selecting a policy, read all the information available to ensure you select a supplemental insurance that is right for you and your needs.
Medigap Qualifying Questions
As with any insurance policy, there is a brief qualifying questionnaire. A Medigap provider will ask very detailed questions about your current and past health. These questions normally do not prohibit your ability to receive a Medigap supplement but give a better understanding of your health. The actual qualifying questions the Medigap provider will ask differ from state to state but usually revolve around the following.
Are you bedridden or in a wheelchair? Do you reside in a nursing home or assisted living facility? Are you currently hospitalized? Are you on dialysis or awaiting an organ transplant?
Have you been diagnosed with any heart, lung, or autoimmune disease? Have you ever had cancer? Have you suffered a heart attack or stroke? Has a physician recommended any surgery, procedure or tests that you have not completed due to cost?
Its important to answer these questions completely and honestly! These Medigap qualifying questions are used to choose a policy that is right for you and your current health.