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Blue Cross Medigap Insurance

Blue Cross Blue Shield offers MyBlue Medigap

Your eligibility and what you pay will be affected depending on when you apply.  It is important to know when your eligible for Medicare.

To apply for MyBlue Medigap, your eligible when.

  • At least 65 years old.
  • Enrolled in both Medicare (Part A hospital insurance) and (Part B medical insurance).
  • Live in your state for at least six months of the year.
  • Have a driver’s license or state ID card.

You can apply any time when you meet all the requirements which is different from Medicare Advantage plan restrictions.

The best times to enroll are during “special enrollment periods.” Also known as “guaranteed issue period.

Special enrollment periods do matter

Medical underwriting is used to process applications if applying for MyBlue Medigap outside of a special enrollment period. This can affect monthly premiums based on specific factors.

Applying inside a special enrollment period there in no medical underwriting and you will find it make a difference in premiums; so this matters when thinking about your health needs and budget.

You must be currently enrolled in the Original Medicare (Part A & Part B) to qualify for enrollment in Medigap. During the six month Medigap Open Enrollment Period “OEP” is the best time to enroll. This begins on the first day of the same month you are 65 years old or older and that you are already enrolled in Medicare Part B. You can enroll in any Medigap plan during the OEP that is being offered by any of the insurers that are located in your area without having to submit to a medical underwriting check. You can still enroll in a Medigap plan after the Medigap Open Enrollment Period, the insurer may request a medical background resulting in a pre-existing condition causing restrictions to be placed on your coverage. This could also cause your Medigap coverage to cost more or you could possibly be denied coverage all together.

Keep in mind that the Medigap plans are not intended to take the place of Original Medicare and in order to keep your supplementary coverage you have to continue paying your premium for Medicare Part B to keep this coverage.

 

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