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Question DetailsAsked on 7/16/2013

supplement health insurance to medicare best co.all states

I have just left my job an Aug 1st I need supplement insurance to medicare/an dental/I am 76 years old/if not diagnosed for a health issue but a symptomatic for last 9 years do you have to declare as health issue when asking for insurance? Tx/Peggy

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2 Answers

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Good Afternoon Peggy,


It sounds as though you may be guaranteed issue for a medicare supplement, which means you would NOT fill out the medical questions on the application. There are a number of Medicare Supplement Plans available in Texas and a number of carriers you should look up. Med Supps are standardized, so your plan will be the same, regardless of carrier. The biggest difference is price. Plan F is the most comprehensive and the most popular plan.


Speak to a Texas Medicare Supplement Broker to see if you will be guaranteed issue. A good broker will work with all of the Medicare Supplement Carriers in Texas, and be able to help you decide which one would be the best fit for you.

Source: http://www.iHealthBrokers.com

Answered 6 years ago by iHealthBrokers.com

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The Medicare website has a listing, by state, of all approved Medicare supplemental health insurance providers, but it is a pretty big list.

For cost comparison, you could also look at policy cost from a national insurancde company as a baseline, and also look at possibly joining some organization like AARP, as group policies are quite a bit cheaper than individual policies.

Be aware also that come January 1st (October 1st signup starts) the Obamacare provisions kick in, and one of them is prohibiting denial of insurance for health history, though it is still unclear if that prohibits charging more for a poor health history.

The other thing to consider, if you have been asymptomatic for 9 years, that is likely to result in that condition being disregarded, both because it has not been a recent problem so is considered cured or in remisssion, plus the health questionnaires on insurance applications commonly only ask about the last 5 years of history.

Answered 6 years ago by LCD




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