Does PPACA Apply To Medigap? 
Unfortunately , the Affordable Care Act does not make it easier to buy a Medigap Plan . If you have a pre-existing health condition , the insurance companies can turn you down . Therefore , the best time to buy a Medigap plan is when you think you do n't need one . If you are over 65 and out of your initial Open Enrollment Period , you will have to answer the health questions on the Medigap application . Each insurance company is unique with their health questions -- as is each person with their health history . While one insurance carrier might deny you for having rheumatoid arthritis , another insurance company may approve your application . That is why it 's a great idea to work with a Medicare Supplement specialist . In just a few minutes , we can review your health history and determine which insurance companies may be the best match for you . If I can assist you with your personal Medigap needs , please feel free to contact me . 