Call 909-348-2556 to speak with a licensed insurance agent.

Call 909-348-2556 to speak with a licensed insurance agent.

Can Pre-Existing Conditions Complicate Medicare Enrollment?

Posted by Mansat Insurance Services, July 26, 2022

Throughout your lifetime, you’ve probably become accustomed to dealing with various health insurance issues. You might know that pre-existing conditions sometimes complicate health insurance enrollment, and you’re wondering if the same situation can happen with Medicare. The answer is: It depends on the condition, and it depends on your Medicare plan.

Medicare plans that do not deny coverage based on pre-existing conditions…

If you want to enroll in a Medicare Advantage plan, you won’t be denied coverage due to a pre-existing condition except for end-stage renal disease. Otherwise, you can enroll or switch between Medicare Advantage plans at the same times you would normally be able to do so.

If you want to enroll in Original Medicare, pre-existing conditions won’t prevent that option. However, if you want to add a Medicare Supplement (Medigap) plan, you could be denied based upon your condition.

Medicare plans that might deny coverage based upon a pre-existing condition…

During your original Medicare enrollment window, you can enroll in Original Medicare plus a Supplement (Medigap) plan, regardless of any pre-existing conditions.

However, if you decide to elect a Medigap plan later, your health is assessed, and you could be denied based upon a medical condition. That’s why it is so important to consider the Medigap option very carefully at the time you turn 65 and enter your original enrollment window. If you turn down the opportunity to enroll in a Medigap plan, you might not be able to do so later.

Working with a Licensed agent professional can help you to understand the differences between plans, and sort through all of the options available to you. This is especially true if you have a pre-existing condition, so don’t hesitate to give us a call if you need help reviewing plans.

Need more information on your insurance options?

Contact us online to learn more

Contact Us

Close Accessibility Tools
Accessibility Controls Reset
Content Adjustments
Font Size


Line Height


Content Scaling


Highlight Titles
Highlight Links
Highlight Forms
Align Left
Align Center
Align Right
Focus Mode
Color Adjustments




Accessibility Statement

Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

If you wish to contact this website's owner, please use the contact form on the website.

Our User Interface Adjustment Options

Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

Content highlighting - Users can prioritize key elements such as links, forms, and titles.

Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.