ABA Family Legal Guide

The Rights of Older Americans

Health and Long-Term Care Benefits

Medigap Insurance

What if I have an old Medigap policy and am considering a replacement? Is that a good idea?

If you are considering a replacement policy, be sure you have a good reason and know your options. Beware of illegal sales practices. Both federal and state laws govern the sale of Medigap insurance. These laws prohibit high-pressure sales tactics, fraudulent or misleading statements about coverage or cost, selling a policy that is not one of the approved standard policies, or imposing new waiting periods for replacement policies. If a sales agent offers you a policy that duplicates coverage of your existing policy, the duplication must be disclosed to you in writing. If you feel you have been misled or pressured, contact your state insurance department, your state's health insurance counseling program, or the federal Medicare Hotline at 800-MEDICARE (800-633-4227). TTY users should call 877-486-2048.