Can I Be Denied Medigap Coverage? 
Medicare Beneficiaries who are in their Initial Open Enrollment Period -LRB- the one time only 6 month period when federal law allows you to buy any Medigap policy sold in your state -RRB- can not be declined a Medigap Policy . However , if you are out of your Initial Open Enrollment Period , you will have to qualify for a Medigap policy based upon the insurance company 's medical underwriting guidelines . There are certain situations that allow Medicare Beneficiaries to obtain Medicare Supplement insurance without worry of being declined . You can not be declined for Medigap insurance if you have a Guaranteed Issue Right . A Guaranteed Issue Right may be obtained if your other health insurance coverage changes . Definitely consult Medicare or an independent agent to find out if you have a Guaranteed Issue Right . If you dont qualify for Guaranteed Issue and youre no longer in your Initial Open Enrollment Period , you 'll have to answer the health questions on the Medigap application . Each insurance company has their own unique set of questions and underwriting guidelines . Your specific health issue may be a concern with ABC insurance company but not with XYZ insurance company . The best way to see if you can get a Medigap Policy is by working with a Medicare Supplement Specialist who can shop the independent market to help you determine if there are companies that meet your unique health situation . 