Answer 4: C
Outside protected situations, Medigap insurers in most states can ask health questions, charge more or decline to sell a policy. You have a federal guaranteed issue right in some cases, for example if you joined Medicare Advantage when you first became eligible at 65 and leave within 12 months, or if you dropped Medigap to try Medicare Advantage for the first time and leave within 12 months.
A few states, such as New York and Connecticut, offer broader protections. If you are unsure, apply for Medigap and get approved in writing before you leave your Medicare Advantage plan.
Question 5 of 6
A caller says Medicare needs to “verify” your Medicare number so you can receive a new card with extra benefits. What should you do?
- A. Give the number, since Medicare already has it
- B. Give only the last four digits
- C. Hang up and call 1-800-MEDICARE or your plan yourself
- D. Ask them to mail the card first, then give the number