Take Your Time Do not be pressured into buying a policy. Principled sales people will not rush you. If you are not certain whether a policy is what you need, ask the salesperson to explain it to a friend. Once this open enrollment period ends, you may be limited as to the Medigap policies available to you, especially if you have a pre-existing health condition. If You Decide To Buy, Complete the Application Carefully Do not believe an insurance agent who says your medical history on an application is not important.
Some companies ask for detailed medical information.
If you leave out any of the medical information requested, coverage could be refused for a period of time for any medical condition you neglected to mention. Look For an Outline of Coverage You must be given a clearly worded summary of the policy . . . Do Not Pay Cash Pay by check, money order or bank draft made payable to the insurance company, not to the agent or anyone else. Get a receipt with the insurance company's name, address and telephone number for your records. Administered by the California Department of Aging.