Can a Medigap insurance company delay coverage of a condition?
Why is the Medigap insurance company delaying coverage of my diabetes? I signed up during my Initial Enrollment Period and thought I had a guaranteed right to coverage.
An insurance company selling Medigap policies cannot deny coverage to a beneficiary applying for a policy during the Initial Enrollment Period. However, it can delay the effective date of coverage for a pre-existing medical condition if the individual did not have creditable coverage at the time of application.
The insurance company must shorten or eliminate the waiting period for coverage if the beneficiary had at least six months of creditable coverage (without a break of more than 63 days) before applying for the Medigap policy.Last updated: 12-30-2015