Frequently asked questions

FAQ

How do Medigap plans handle pre-existing conditions?

If you enroll in a Medigap plan during your Medigap Open Enrollment Period (the six months starting when you're both 65 and enrolled in Part B), you have guaranteed issue rights and cannot be denied coverage or charged more due to pre-existing conditions.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.