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.
With this information you may want to talk to the different insurance companies and see what your options are available to you and what their policies are. Medigap insurance is different than purchasing a regular health insurance plan. A - J. Find out what they have to offer you. I do not work for an insurance company nor do I work for a health care facility I work to represent individuals with their medical claims. So I have done a lot of research, allowing me to answer my clients questions.