Question

Can I change my Medigap plan if I'm not happy with it?

A) Yes, during the Annual Enrollment Period.

B) No, Medigap plans have a lifetime commitment.

C) Only if you move to a different state.

D) Yes, within the first 12 months of enrollment without underwriting.

Answer 1

Yes, you can change your Medigap plan if you're not happy with it within the first 12 months of enrollment.

Step-by-step explanation:

Yes, you can change your Medigap plan if you're not happy with it. The correct answer is option D) Yes, within the first 12 months of enrollment without underwriting.

Medigap plans provide coverage for the gaps in Original Medicare, such as deductibles, coinsurance, and copayments. If you find that your current Medigap plan doesn't meet your needs or if you're not satisfied with the coverage it provides, you have the option to switch to a different Medigap plan within the first 12 months of enrolling in your current plan. During this period, insurers are required to accept your application without underwriting, meaning they cannot deny you coverage or charge you higher premiums based on your health status.