Yоu саn apply fоr Medicare Supplements in Omaha NE with an Omaha Supplemental insurance company, at аnу time!
However, If you have missed your initial enrollment period, уоu mау bе subjected tо medical underwriting, which iѕ whеrе insurance companies gather information аbоut уоur health history and uѕе past оr сurrеnt health conditions аѕ grounds tо charge уоu mоrе fоr a plan оr reject уоu.
When you are looking for Medicare supplements in Omaha NE, our team can really help to identify which carriers might be a good fit for you.
We know which carriers have underwriting questions that may be more lenient than others for certain health conditions. If you’re interested in seeing if you qualify, please answer the questions below and our local Omaha agent will reach out to you as soon as possible with your options!
Minor Health Conditions – Likely to be Approved
Health questions don’t concern minor things like seasonal allergies, or the flu. They don’t really care if you had two colds last year or a urinary tract infection.
Often things like high blood pressure and cholesterol are not an issue either. Minor arthritis is not a problem, but a more serious form of rheumatoid arthritis would cause a decline.
Pending Surgeries and Treatments – We Recommend Finish them First
No insurance carrier wants to cover you just before a costly diagnostic test or major surgery. Remember that Medigap carriers will pay for 20% of that surgery. They want you to get that done with your old carrier before you apply with them.
You will need to complete the surgery and any follow-up visits or therapy before a new carrier will consider you.
Recent Major Care – You Will Need to Wait
Medigap carriers also ask questions about recent major care. If you are receiving home health care or have been hospitalized 2 or more times in the last 2 years, it is common for the carrier to decline you right on the application. Likewise, if you live in a nursing home, you may not be eligible.
Chronic, Incurable Health Conditions – We Recommend to Keep Your Current Coverage
If you have a serious illness that will require treatment forever, you’ll find that the questions on most Medigap applications will exclude you. Common examples would be dementia, chronic lung disorders, immune disorders such as RA, MS, Lupus, or AIDS, and nervous system disorders such as Parkinson’s.
Auto-Decline Medications and Prescription Checks
Medigap carriers have access to national records regarding your prescription history. On your application, you must agree to allow the carrier access to these records.
When the carrier pulls the report, they will first look to see if there are any prescriptions in your record that may indicate a declinable condition. It’s important to be honest. Try hard to remember all medications you’ve taken recently.