So I have done a lot of research, allowing me to answer my clients questions. Many policies do not cover health problems that you have at the time of purchase. Pre-existing conditions are generally health problems you saw a doctor about within 6 months before the date the policy went into effect. If you had a health problem, the insurer might not cover you for expenses connected with that problem. Medigap policies, however, are required to cover pre-existing conditions after the policy has been in effect for 6 months.
Some companies have shorter waiting periods before covering a pre-existing condition.
Medigap insurance is different than purchasing a regular health insurance plan. A - J. Find out what they have to offer you. There is only a six month window of opportunity,where you cannot be refused, whether you are turning 65, or you receive Medicare because of a disabilty. KT, she has congestive heart failure. She is on social security disability.