If you can’t qualify for a Medicare Supplement Plan because of health issues, you’ll have to get it through guaranteed issue (GI).
A Guaranteed Issue situation can happen in several instances, and I’ll list some relevant ones below:
If you have a second home or financial means to get a second home, you might want to consider moving to another county or state that is outside the coverage area of your MAPD. This will cause her to lose coverage and then you could apply for a plan using GI.
However, there are some risks to this which I will outline below:
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