The medigap plan or Medicare Supplement plan generally does require that the applicant undergo medical underwriting that will determine issuance. However, there is a once in a lifetime window that lasts for 6 months after you get your part “B” Medicare (or your 65th birthday for most folks) in which you do not have to have underwriting. This is huge and most people miss it. You also can try a “C” plan (Medicare Advantage) for up to 12 months if you are dissatisfied with a supplement plan, then switch back with no underwriting one time.
“there is a once in a lifetime window that lasts for 6 months after you get your part “B” Medicare (or your 65th birthday for most folks) in which you do not have to have underwriting.” - If I keep working & having employer-sponsored health insurance past age 65 does that push my window out to the date my employer coverage ends? Thank you in advance.