Can I Be Turned Down For Medigap Insurance? 
Yes , you can be declined for Medigap insurance , but there 's usually a company that will likely take you unless certain events occur -LRB- e.g. you 're about to go in for major surgery -RRB- When you apply for Medigap coverage outside of your initial open enrollment period when you 're new to Medicare -LRB- and do n't have a special enrollment period qualifying event -RRB- , you can be subject to medical underwriting -LRB- answering the health questions on the application -RRB- . Each insurance company has their own health questions so you may be able to qualify for one company and not another if you have certain major medical conditions you 're being treated for/have been treated for in the last few years -LRB- e.g. insulin-dependent diabetic , heart disease , cancer history , etc. -RRB- . This makes when you 're new to Medicare the best time to first buy a Medigap plan . You will have a a 6-month window to buy any Medigap plan and the carrier can not decline you for any medical issues - meaning no medical underwriting during this period . You should work with an independent broker who can review options from many companies and make sure that the Medigap plan you purchase is offering you the benefits at the lowest possible cost . Please remember , Medigap plans are standardized , meaning that regardless of the insurance company you have the coverage through , they will ALL pay the same exact way . The only difference is the price you 're paying . I hope the information is helpful - please feel free to contact me for assistance with your Medigap insurance and if you have any other questions . Thanks very much . 