"A Medigap insurer can generally turn you down for whatever reason they see fit," says Ryan Ramsey, associate director of health coverage and benefits at the National Council on Aging.
The good news, in a bizarre way, is that if your 2024 Medicare Advantage plan won't be offered in 2025, you'll be guaranteed acceptance when applying for a Medigap policy.
Plan terminations have become increasingly common lately due to financial pressures on Medicare Advantage insurers. Mutual of Omaha will no longer offer Medicare Advantage next year.
In all but four states, if you apply for a Medigap policy after the first six months of Medicare eligibility, the insurer can reject you due to a pre-existing condition.
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