Underwriting Red Flags
Carriers Never Tell You
Medigap underwriting is not transparent — and carriers are not required to explain why you were denied or rated up. May River Medicare Insurance reveals the most common red flags so you can protect your eligibility before you apply.
A denial or withdrawal can be logged internally by carriers and influence future underwriting decisions — even years later.
Medigap underwriting decisions are final. Once declined, you cannot “explain” your way back in. Strategy matters before submission.
- Ongoing or recent oxygen use (even “as needed”)
- CPAP usage tied to sleep apnea
- Wheelchairs, walkers, or hospital beds
- Any inpatient admission in last 24 months
- Multiple ER visits (even without admission)
- Observation stays often count
- Diabetes with insulin or complications
- Heart disease or prior stents
- COPD, asthma, or pulmonary disorders
- Blood thinners
- Biologics or infusions
- Multiple recent medication changes
- Answering “Yes” to follow-up questions you didn’t realize were disqualifying
- Listing conditions that resolved years ago but still appear in records
- Applying before confirming Guaranteed Issue eligibility
- Submitting applications to multiple carriers at once
Carriers do not warn you. Agents tied to one company often cannot either. This is where independent strategy matters.
We review your medications, conditions, and timing before any formal application is submitted — reducing unnecessary denials.
Guaranteed Issue rights, birthday rules, and trial rights vary by state. We confirm eligibility first — always.
Protect Your Medigap Eligibility
May River Medicare Insurance is a nationwide, independent Medicare agency. We show everything up front, explain your real options, and help you apply safely — without pressure or surprises.