Medicare Supplement - If I Cancel, Can I Get It Back?

I read an interesting and informative AARP article regarding Medicare Supplement Plans (Also known as Medigap Plans) and thought I’d share it. There are many different circumstances and one answer doesn’t fit everybody. So the answer on whether you can get a Medicare Supplement plan back after you cancel it, well that will depend on your individual circumstances.

Some of the main points you may want to know are:1

  • Medicare Supplement Plans (Medigap Plans) are not government programs, but are through private insurance companies.
  • Medicare Supplement Plans (Medigap Plans) can be bought, or changed at any time of the year. (However it is only at special times that you can buy a policy with federal protections known as “guaranteed issue.”) Also unless you qualify for a special election period, there are only certain times of the year when you can also add, change, or cancel a stand alone Prescription Drug Plan, that many people have in addition to their Medicare Supplement Plan at the same time. Those Prescription Drug Plans provide drug coverage that compliments their Medicare Supplement Plans. (Note: There are a few states that may allow you to get a Medicare Supplement plan with guaranteed issue any time during the year, so be sure to check you specific state rules.)
  • If you don’t qualify for guaranteed issue for your Medicare Supplement plan, then you have to answer the Medicare Insurance underwriting questions (which can vary from company to company), and depending on your answers, you may be approved or you may be denied coverage for getting back into a Medicare Supplement plan.
  • The most common time for buying Medicare Supplement with guaranteed issue is within six months of their Medicare Part B coverage going into effect.
  • The article lists other circumstances in which you can buy a Medicare Supplement with guaranteed issue.

To read the entire article click on the web link below:

1. Source: AARP Web Site -

Note: Medicare Insurance information can be overwhelming and confusing to many people. As an independent licensed agent I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose and enroll in a plan that you feel fits your needs.

By the way, it doesn’t cost you any more if you enroll in a Medicare Insurance plan through me as an independent agent versus directly with an insurance company either over the phone or via the Internet, since I get paid by the insurance companies for your enrollment. Plus you will have personalized service by a local agent. If you would like my assistance, please call me at 941-404-5334.

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