Final answer:
False, clients do not always have to pass medical underwriting for Medigap Plans. There are periods like the Medigap Open Enrollment Period and special circumstances known as guaranteed issue rights which allow purchasing Medigap without underwriting.
Step-by-step explanation:
The statement that the client must always pass medical underwriting in order to qualify for any Medigap Plan is false. There are specific periods when a client can enroll in a Medigap plan without undergoing medical underwriting. One such period is the Medigap Open Enrollment Period, which starts on the first day of the month in which a person is both 65 or older and enrolled in Medicare Part B. During this period, a person has guaranteed issue rights, meaning they can buy any Medigap policy sold in their state regardless of their health status. Additionally, there are certain special circumstances, known as guaranteed issue rights, which allow for enrollment in a Medigap plan without medical underwriting outside of this open enrollment period.