Can You Be Denied Medigap Insurance? 
Yes . If you do n't buy a Medigap plan during your initial open enrollment period -LRB- the 6-month window from your Medicare Part B effective date -RRB- , you can be subject to medical underwriting if you do not qualify for a special enrollment period . If you 're applying with medical underwriting , you have to answer the medical questions on a carrier 's application . Depending on the responses , they will approve or decline you . Keep in mind , each carrier has different health questions so some may work better for your medical history than others . The BEST TIME TO BUY a Medigap plan is during your initial open enrollment period because there is NO medical underwriting . This means that regardless of your health status , you can buy any Medigap plan from any carrier in your area , again , with NO medical underwriting ! I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 