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A Medigap policy insurance policies can exclude a person from coverage for a certain period with a pre-existing condition, or at least they can under current rules. If the Affordable Care Act does not get overturned by the court or the congress, the pre-existing condition waiver will disappear entirely.

At the moment, most companies will only waive pre-existing conditions on a Medigap policy if a person qualifies for guaranteed acceptance. Guaranteed acceptance only occurs under certain circumstances. These circumstances usually require the patient to be dropped from his earlier insurance company.

Do Companies Waive Pre-Existing Clauses Under Other Circumstances?

A Medigap policy will not waive a pre-existing condition clause, although some will under extremely rare circumstances. An agent can help a patient with this type of policy figure out how and if an insurance company can help an individual.

Under most circumstances, a Medicare supplement insurance plan holder is out of luck. He will either need to hold on to his previous plan until the new coverage starts or keep his old policy for six months.

Are There Other Ways to Get Around A Medigap Policy Not Issuing a Waiver?

The best way to get around the pre-existing condition rules is to stick with one Medicare plan or to simply work around the policy. A patient with diabetes, emphysema or a similar condition is best keeping his plan as long as he can.

Paying for these conditions out-of-pocket is often an expensive proposition. He or she cannot expect an insurance companies to waive the condition for him specifically. Certain other conditions, usually stipulated by the federal government, require a waiver to be granted. A customer should not expect special privileges to be granted just because he or she faces an emergency situation that requires additional Medicare supplemental insurance.