Is Medigap Plan G guaranteed issue in 2020?

Medigap Plan G to become guaranteed issue when leaving work coverage

by Ray Wilson+ on Feb 20, 2020 | 3 Comments

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You may have heard that were are some changes in Medigap in 2020, that affected who can buy what Medigap plans. The main development is that Medigap Plan F is now not available for people turning 65 after 2020. This raises questions about Medigap Plan G and its guaranteed issue situation, both for Normal Enrollment and Special Enrollment.

Is Medigap Plan G guaranteed issue for those new to Medicare in 2020?

The answer is yes. Medigap Plan G will still be guaranteed issue for “newly eligible” members of Medicare. Remember you can enroll in Medigap with no health questions asked from 3 months before your 65th birthday until 5 months after the month of your birthday. You can check your deadlines here.

Is Medigap Plan G guaranteed issue for Special Enrollment in 2020?

The answer is also yes. Until 2019, people who left work coverage could not purchase Medigap Plan G under Special Enrollment, but could get Plan F and other Medigap plans. That is no longer the case. Seniors can now also get Plan G under the Special Enrollment period.

Next Steps for enrolling in Medigap

Give us a call here at to get you enrolled in a Medigap Plan in no time. We charge nothing for our services and guarantee the lowest price allowed by law.

Learn More about MedigapGet a Medigap QuoteApply for Medigap


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Reader Comments and Questions

By Kate on May 19, 2020

Im 64 about to enroll in Medicare, I understand I cannot enroll in plan f. Is g the better choice then?

Since Medigap G is the plan that has the most benefits after Medigap F, we are confident in saying it is the better choice. It could even be said G is the best choice overall.

Give us a call when your initial enrollment period starts. We will get you enrolled in your chosen plan at no additional cost to you.
-Michelle from

By Gloria on May 19, 2020

is there any change in enrollment during coronavirus?

While there are no changes to Medigap enrollment, some companies have made changes for Medicare Advantage enrollment. Health Net, for example, has stated that until June 30, 2020 people will be able to enroll, disenroll and switch their Medicare Advantage and Part D plans. Please call us for details as these changes are being updated daily.
-Michelle from

By DICK on March 12, 2020

I am retiring on July 2nd at 67 years old. My wife retired at 62, and has been covered by my employer insurance. She has Lymphoma. Can she be denied Plan G for existing conditions. Can the the Insurance companies ask medical questions about her condition?. I am in good health and was going to go with plan N. Any recommendations with which Insurance Company to seek quotes from?

Your answer depends on when your wife turned or turns 65. If it was before Jan 1, 2020, then she will be guaranteed approved for Plan F but not Plan G. If it is after Jan 1 2020, she will not be eligible for Plan F but will be guaranteed for G. Once you leave your work coverage and you are over 65 you will receive a Special Enrollment Period to enroll in Medicare and Medigap. There will be no medical underwriting for neither of you since this is a guaranteed issue period lasting 63 days.

You can check our quote engine to find out which companies have lower rates and even enroll online. If you later have additional questions or prefer to enroll over the phone, don't hesitate to give us a call. We get paid directly from the insurance companies so this will not affect your premium.
-Michelle from

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

We will not publish your last name or email if you submit this form.

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