You can apply for Medigap at any time of the year. If you are outside your initial enrollment period and/or you don’t qualify for Medigap special enrollment, you will usually have to go through Medigap underwriting to be approved.

Instant Medigap Underwriting Checker

Use our new instant Medigap Underwriting Checker to see if you would be approved for Medigap. All information entered will be anonymous.

Get a Medigap Quote Enroll in Medigap

Note: The tool above offers general underwriting guidelines. Each insurance company has there own set of questions and approval parameters. It is not uncommon for one company to approve a client and another to decline the same person. That being said, all insurance providers will decline you for certain conditions. See “What If I have a Preexisting Condition” below.

If you are not sure if you will be approved for Medigap after using the tool above, contact Senior65.com and we can look up specific guidelines by each insurance carrier in your state.

What is Medigap Underwriting?

Medical Underwriting is the process insurance companies use to evaluate an applicant’s health history and current medical status to decide:

  • Whether to approve or deny coverage
  • Whether to approve you but charge a higher premium

In underwriting, insurance companies look at things like:

  • Past and current illnesses (e.g., cancer, heart disease)
  • Surgeries or hospitalizations
  • Prescription drug use
  • Height and weight
  • Tobacco use (usually means higher premium)
  • Recommended or scheduled testing/procedures that haven’t taken place (usually means instant decline)

With Medigap underwriting you do not need to take a physical or have an in person review. You will just answer about 20 questions about your health with our Senior65.com team over the phone. They will also agree to allow them to check your medical records.

Do I have to go through Medical Underwriting for Medigap?

Maybe. Medigap underwriting usually is required when…

How do I apply for Medigap Underwriting

Step 1) See if you even need Medical Underwriting

Step 2) Quickly Find out if you would qualify for Medigap Underwriting

  • Enter your medical conditions on our Instant Medigap Underwriting Checker at the top of this page.
  • This tool give you a good idea if you will be approved or not.
  • If you think you will be approved via underwriting, move to step 3.
  • TIP: Check the timeframe for decline. If you are symptom free beyond that timeframe you could still be approved.

Step 3) Get an Instant Medigap quote

Visit Senior65.com’s instant quote to get a Medigap quote in less than 30 seconds. You will not have to talk to a agent to see pricing.

Step 4. Pick a Medigap Plan and Insurance Company

Usually you want to select a plan that has the lowest price. If you are worried your preexisting conditions could keep you from being approved, contact us and we review which plan in your area has the most lenient guidelines.

Step 5. Fill Out the Application

  • Apply online here or over the phone at 800-930-7956.
  • If you apply online, an agent will call you to go over the health questions.

Step 6. Get a Decision

  • Approval at Best Rate.
  • Approval at higher rate (you can withdraw if you don’t like the rate)
  • Denial: Contact us. We can discuss if it makes sense for you can apply with a different company or explore other options.

What If I have a Preexisting Condition?

You Might Be Approved for Medigap at the best rate.

  • Some mild or older conditions (like well-controlled high blood pressure or a past surgery from 5+ years ago) may not impact your approve
  • If the condition is fully treated and stable, some companies will approve you at the best rate.

You Might Be Declined for Medigap

Some health issues are automatic declines such as

  • Congestive heart failure
  • Recent cancer (usually within the last 2–5 years)
  • Chronic kidney disease
  • Scheduled procedures/testing that has yet to take place

You Might be Charged more for Medigap

  • You could be approved at a higher monthly premium
  • If you do not want Medigap at the higher premium you can withdraw your application.