• Question
  • Initial election period

    Asked by someone from Hudsonville, MI on 4/8/2013

    I am turning 65, If I stay on my wife's group plan, am I still eligible for an "initial election" period for any Medigap Carrier without Medical Questions in the future when my wife retires (a couple years down the road) and I will no longer have her insurance?

  • Categories: Employer Coverage & Medicare, Health Care and Health Insurance, Work and Retirement


  • Editorial 


    San Francisco, CA

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  • Good for you for actively researching your retirement Medical coverage! Out of pocket healthcare expenses are costly as you age as Medicare generally covers only a fraction of the costs.

    The Medicare.gov web site publishes a list of "guaranteed issue rights." http://www.medicare.gov/find-a-plan/staticpages/learn/rights-and-protections.aspx These rights guarantee that you are able to purchase a Medigap policy even if you have health problems -- pre existing conditions.

    In general, you have the right to buy a Medigap policy if your existing health coverage changes in some way.

    The above mentioned web page says that, "You have the right to buy a Medigap plan... if you have original Medicare and an employer group health plan... that is ending." So, I think that you would probably be eligible for a Medigap policy after your wife retires. However, you might want to contact Medicare directly to confirm this.

    You can find Medicare contact information here: http://www.medicare.gov/contacts/topic-search-criteria.aspx

    We wish you all the best!

  • Login to rate this answer:   Answered on 4/10/2013
**All above answers are provided as general information only. No warranty is made regarding the fitness or accuracy of the information provided in this answer. You should seek advice from a licensed CPA, attorney or CERTIFIED FINANCIAL PLANNER™ as to your unique financial situation.