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Health

whathehell

(30,328 posts)

12. I asked my husband, who knows quite a bit about

Reply to KS Toronado (Original post)

Mon Dec 8, 2025, 01:28 PM

Dec 8

this subject, and he says that If you had private insurance when you enrolled in Medicare, you should be able to get a supplement plan regardless of preexisting conditions. If you had period of time before you signed for the gap insurance when you did not have insurance. or had Medicare without supplemental insurance, they then can discriminate on the basis of preexisting conditions.
I myself was surprised by this, thinking the ban on preexisting conditions in private insurance to be w absolute, but this "exception", according to my husband, was what the insurance companies were able to get for themselves in the original negotiations. I hope this helps.

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Was looking to get a supplement insurance plan to cover the 20% [View all] KS Toronado Dec 8 OP

Do you have a Medicare Advantage plan now? Freddie Dec 8 #1

No those advantage plans are a rip off KS Toronado Dec 8 #3

Good Freddie Dec 8 #5

i use traditional "real" medicare rampartd Dec 8 #9

I have basic Medicare Jilly_in_VA Dec 8 #2

That 20% they don't pay is eating me alive KS Toronado Dec 8 #6

Same here I don't even have prescription drugs Walleye Dec 8 #8

I have traditional with an AARP supplement Freddie Dec 8 #4

I think the supplemental is called Medigap bucolic_frolic Dec 8 #7

Try Farm Bureau Health & call your senior center & council on aging! SheltieLover Dec 8 #10

FWIW....I recently learned that all medical billing is negotiable. anciano Dec 8 #11

I asked my husband, who knows quite a bit about whathehell Dec 8 #12

Unfortunately you are correct Freddie Dec 8 #14

I got 'put on' MA when I first contacted someone to come explain the differences slightlv Dec 8 #13

Don't kill the messenger Lulu KC Dec 8 #15

Oh--but not if you're young enough! Lulu KC Dec 8 #19

check this out Nigrum Cattus Dec 8 #16

I have Plan "N" supplement here in Maryland wolfie001 Dec 8 #17

If one turned 65 within the last year the rules are different IbogaProject Dec 8 #18

I got caught by that pre-existing conditions thing, too, the first time I applied for a Medicare supplement ShazzieB Dec 9 #20

Are you referring to the *Medigap* Open Enrollment Period or the *Medicare* Open Enrollment Period? sl8 Dec 9 #21