Know with whom you are dealing An insurance company must meet certain qualifications to do business in your state. You should check with your State Insurance Department to make sure that any company you are considering is licensed in your state. Take your time Do not be pressured into buying a Medigap plan. Good sales people will not rush you. 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 did not report. 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. Beware of non-standard plans It is illegal for anyone to sell you a plan and call it a Medigap plan if it does not match Medigap standardization requirements. Get more information Go to Helpful Contacts for the SHIP Program or State Insurance Department contact information for your area.