@VivianR375175 wrote:
Can you then pick another plan G or are you subject to existing conditions, etc.? We have pretty much decided on Original medicare with plan G and a drug plan D. (Even though we have no health problems at present).
Are you asking because this has happened to you or are you just doing some potential planning?
You do not buy Medicare coverage of any sort as "WE" - They are ALL individual-type plans and this makes it better so that each can plan for their own health coverage based on their specifics.
This answers your heading question but as far as Medigap coverage goes - various state laws may also give some other protections.
From Medicare.gov -
Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy cove...
You have the right to buy
Medigap Plan A, B, C, F, K, or L that’s sold by any insurance company in your state
You can/must apply for a Medigap policy
no later than 63 calendar days from the date your coverage ends.
This is covered under Medicare.gov - Guaranteed Issue Rights or Medigap Protections -
Guaranteed issue rights (also called "Medigap protections") are rights you have in certain situations when insurance companies must offer you certain Medigap policies. In these situations, an insurance company:
- Must sell you a Medigap policy
- Must cover all your pre-existing health conditions
- Can't charge you more for a Medigap policy because of past or present health problems
Read more at the links above -
I do not think they have added to the list of these Medigap plans offered in your situation (see above) but I guess you can always ask them but there is a time limit (see above).
It's Always Something . . . . Roseanna Roseannadanna