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Pre-existing Conditions

This FAQ (Frequently Asked Questions) answers common questions about Medicare and how it works with pre-existing conditions.

Pre-existing Conditions

What is a ‘Pre-existing condition'?

A pre-existing condition is a condition with which you were diagnosed or were treated for before your new health care insurance plan’s coverage commences.

What impact does this have on my Medicare coverage?

Medicare Part A and Part B and Medicare Advantage plans (Part C) cover pre-existing conditions. There are exceptions for ESRD (End-Stage Renal Disease).

Medicare Supplement plans may also cover pre-existing conditions if you apply during a ‘guaranteed issue’ period. Outside of these guaranteed issue periods, Medicare Supplement plans can decline coverage, charge a higher premium and/or impose a six-month waiting period based on the pre-existing condition(s). Rules may vary by State.

What difference does this make to my enrollment periods?

Enrollment Periods do not change for you if you have a pre-existing condition. For Medicare Supplement, see above.

Is there any impact on my share of Medicare costs?

If you enroll in a Medicare Supplement plan outside of the guaranteed-issue periods, the carrier may charge a higher premium, decline coverage or impose a six-month waiting period for payment of claims, based on the pre-existing condition(s). Rules may vary by State.


Click here to learn more about Medicare, its various Parts, different enrollment periods and your costs. 

We have also created videos to help you better understand various topics related to Medicare. Select and watch a video explaining the topic of your interest in a simple and intuitive manner.

Remember that you cannot choose just any combination of Parts and Plans. Let Lighted Road Insurance guide you step-by-step through the Medicare ecosystem and help you in selecting the right plan(s) for your needs. 

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General / Informational Disclaimers

This website ( contains information about and access to insurance plans for eligible and soon to be eligible Medicare beneficiaries and their advisors. It is operated by Lighted Road Insurance Services, a licensed health insurance agency in the State of California. and Lighted Road Insurance Services are not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Enrollment in any plan depends on contract renewal.


Last Updated: 01-10-2021