If it does not, contact the company and obtain in writing the reason for the delay. If 60 days go by without a response, contact your state insurance department. It is unlawful for a company or agent to use high pressure tactics to force or frighten you into buying a Medigap policy, or to make fraudulent or misleading comparisons to get you to switch from one company or policy to another. This tactic involves mailings to identify individuals who might be interested in buying insurance. If you fill in and return the card enclosed in the mailing, the card may be sold to an insurance agent who will try to sell you a policy.
Most policies have some type of limit on benefits.
They may restrict either the dollar amount that will be paid for treatment of a condition or the number of days of care for which payment will be made. Others do not pay anything toward the cost of those services. Do not believe statements that insurance to supplement Medicare is a government- sponsored program. If anyone tells you that they are from the government and later tries to sell you an insurance policy, report that person to your state insurance department or federal authorities. This type of misrepresentation is a violation of federal and state law.