• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche

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Will I Be Declined For Medigap Insurance?

“Will I be declined for Medigap insurance?” is a question frequently asked by Medicare Beneficiaries.

You can apply for Medicare Supplement insurance (Medigap) if you have Original Medicare Part A and Part B.

Will you be declined Medigap coverage? That depends on your specific situation.

Medicare Beneficiaries who are in their Initial Open Enrollment Period (the one time only 6 month period when federal law allows you to buy any Medigap policy sold in your state) cannot be declined a Medigap Policy.

If you are out of your Initial Open Enrollment Period, you will have to qualify for a Medigap Plan based upon medical underwriting guidelines — which differ with all insurance companies.  With that said, there are certain situations that allow Medicare Beneficiaries to obtain Medicare Supplement insurance without worry of being declined.

You cannot be declined for Medigap insurance if you have a Guaranteed Issue right. In many cases, you have a Guaranteed Issue Right when you have other health insurance coverage that changes, such as, when you lose other health care coverage.

I worked with two clients,recently, who had a Guaranteed Issue Right.  Client #1 was on a Medicare Advantage Plan that went bankrupt.  This meant her plan was leaving Medicare.  She had a right to buy a Medigap Plan without worry of being declined.

Client #2 was on a Medicare Advantage Plan and she moved out of the Plan’s service area.  She had the right to buy a Medigap Plan with peace of mind that she would not be declined.  This was important for Client #2 because she had some health issues and was concerned about medical underwriting.

These are just two examples, but there are more.

See pages 22 and 23 in the Medigap Buyers Guide to see if you qualify for a Guaranteed Issue right.

If you don’t qualify for Guaranteed Issue and you’re no longer in your Initial Open Enrollment Period, you may be wondering if you will be declined for Medigap insurance.  The answer depends on some factors.

1) Health Questions — Each insurance company has their own unique set of health questions and underwriting guidelines. This benefits the consumer since each individual’s health is unique.  For example, ABC insurance company may decline coverage if you have rheumatoid arthritis, while XYZ company will offer you a policy.  In addition, some insurance companies look at a 5 year window for stroke while other companies only look back 2 years.  These are just a couple examples of how medical underwriting can vary from one insurance company to the next.

2) Your Health — Being declined for Medigap insurance because of health conditions is unfortunate. The best way to see if you can get a Medigap Policy is by talking to a Medicare Supplement Specialist. We are able to determine if there are companies that meet your unique health situation.

One final note, you may already have a Medigap Policy in place and you are doing some research. Please don’t be deterred about moving forward and trying to lower your premium.  I’ve talked to many people who were able to lower their very high premium even though they were wondering, “will I be declined for Medigap insurance?”.

Call (888) 411-1329 for your free consultation today!

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