Common Health Questions for Medigap Plans

Medicare Open Enrollment or Guaranteed Issue

Those who are in their Medicare Supplement (Medigap) Open Enrollment Period (Getting Medicare Part B for the 1st time) or have Guaranteed Issue Rights (the right to buy a Medigap without answering health questions & can't be turned down) do not need to go further. 

Below are the minimum questions to apply for a Medicare Supplement with one of our many carriers

Do any of these apply to you?

    • have end stage renal (kidney) disease         • currently receiving dialysis         

    • diagnosed with kidney disease that may require dialysis

IF YES - you do not qualify for a Medicare Supplement (also called Medigap) unless you are eligible to apply under Guaranteed Issue or Open Enrollment.

IF NO - proceed to next set of questions.

Within the past two years, has a medical professional recommended or discussed as a treatment option, any of the following that has NOT been completed:

• hospital admittance as an inpatient • organ transplant • back or spine surgery 

• joint replacement • surgery for cancer • heart surgery • vascular surgery ?

IF YES - you do not qualify unless you are eligible to apply under Guaranteed Issue or 

Open Enrollment.

IF NO - YOU QUALIFY ! (yes you qualify but this is just the start on getting a better rate)

Medigap Common Questions

 If you get past these questions (below) with all being a "NO", then click HERE FOR INSTANT QUOTES and run your instant quote for a Medicare Supplement (Medigap)! 

See a better rate, then apply! 

If any of these questions (1-10) are "YES" then you would not qualify to apply

with this company

(If this is the case, call us as we have several others that have great rates as well with fewer health questions)


1. Are you currently confined to a wheelchair or any motorized mobility device?

2. Are you currently hospitalized, confined to a bed, in a nursing home or  

      assisted living facility? 

3. Are you currently receiving any occupational, speech or physical therapy?

4. Have you been advised by a medical professional to have treatment, further

      diagnostic evaluation, diagnostic testing, follow up visits or any surgery that 

      has not been performed?

5. At any time have you been medically diagnosed with, treated for, or had  

      surgery for any of the following:

      A. Chronic kidney disease, kidney failure, or kidney disease requiring dialysis?

      B. Emphysema, Chronic Obstructive Pulmonary Disease (COPD), any other

           chronic pulmonary disorder or any cardio-pulmonary disorder requiring


      C. Alzheimer’s Disease, dementia or any other cognitive disorder?

      D. Parkinson’s Disease, multiple sclerosis or amyotrophic lateral sclerosis

           (Lou Gehrig’s Disease)?

      E. Systemic Lupus, scleroderma or myasthenia gravis?

      F. Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex


     G. An organ transplant or been advised to have an organ transplant (excluding

          cornea transplants)? 

     H. Chronic hepatitis or cirrhosis?

      I. Osteoporosis with fractures?

6. *Do you have diabetes in addition to any of the following: retinopathy,  

       neuropathy, peripheral artery disease, peripheral venous thrombotic  

       disease, any heart disorder (including hypertension/high blood pressure),   

       stroke, transient ischemic attack (TIA) or kidney disease?

7. Do you have an implanted cardiac defibrillator?

8. Within the past two years, have you been treated for, or been advised by a

        physician to have treatment for:

       A. Coronary artery disease, angina, heart attack, cardiac angioplasty,

            bypass surgery or stent placement?

       B. Cardiomyopathy, congestive heart failure, aortic or cardiac aneurysm,

            peripheral artery disease, peripheral venous thrombotic disease, vascular

            angioplasty, endarterectomy, carotid artery disease, any heart or heart

            valve disorder, atrial fibrillation, other heart rhythm disorder, or

            implantation of a pacemaker?

       C. Alcoholism or drug abuse?

       D. Any mental or nervous disorder requiring treatment (including hospital  

            confinement) by a psychiatrist, psychologist, counselor or therapist?

       E. Internal cancer, lymphoma or melanoma?

       F. A stroke or transient ischemic attack (TIA)?

       G. Degenerative bone disease, spinal stenosis, rheumatoid arthritis,

            psoriatic arthritis, arthritis that restricts mobility or have you been

            advised to have a joint replacement?

9. Have you been advised by a medical professional that surgery may be  

        required within the next 12 months for cataracts?

10. Have you been hospital confined three or more times in the past two years 

         for a same or similar condition?

  • *If you feel question #6 is a yes then you should call us. There is exceptions to this question but we would need to discuss your situation. CONTACT US HERE

We have several other Companies that have great rates as well AND they have fewer health questions which makes them easier to qualify with. 

When you apply for a Medicare Supplement (Medigap Plan) to replace one that you now have, and you answer all of the application questions honestly and to the best of your knowledge & belief, then if they approve you they can't impose pre-existing condition waiting periods on you and they must fully cover you from day one of your new policy. So if they don't ask, and you don't tell (volunteer information), once they approve you then they must fully cover you regardless of the condition.

Do you have questions? We have answers and we give you multiple ways of contacting us. Call us Toll Free at 1-877-793-4354 or message us from our contact us page.


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