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I am 77, and have had medicare A&B for 12 years. but since most of my health care is at the VA, I do NOT have a medigap policy. I have renal failure(16% kidney function) and will soon need Dialysis(which the VA will do) or a transplant(UCSD) I have applied for a medigap policy and been turned down by three companies.
1: Does open enrollment affect my ability to get a medigap policy?
2: When Obamacare kicks in on Dec 2013 will that affect medigap policies?