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Guaranteed Issue Rights

In the Medicare Supplement world guaranteed issue rights are rights you may have in certain situations that require insurance companies to waive health questions and any pre-existing conditions when applying for their insurance policy.  Most of the time you have guaranteed issue rights when your coverage changes or you are dropped from a policy (example: upon retiring).

A few of the top reasons people receive guarantee issue rights on their Medicare Supplement policy

  1. You are in a Medicare Advantage (MA) Plan and your plan is leaving Medicare or stops offering care in your area, or you move out of the plan’s coverage area
  2. In situations where you may have an employer group health plan, COBRA, or union coverage that is ending.
  3. You are in a Medicare Select plan and you move out of the Medicare Select policy’s service or coverage area.
  4. You joined a Medicare Advantage plan when you were first eligible for Medicare at age 65, and within the first year of joining, you decide you want to switch to Original Medicare.
  5. You dropped a Medicare Supplement to join a Medicare Advantage and within the first year you decide to switch back.
  6. Your Medicare Supplement (Medigap) company goes broke.
  7. You leave a Medicare Advantage Plan or Medicare Supplement plan because the company did not follow the rules or because they misled you.
If you are in a Guaranteed Issue period, it is important to act quickly. You have 63 days after the guaranteed issue trigger occurs to obtain coverage.  Please refer to the Medigap booklet in Section 3 to learn more about your Guaranteed Issue Rights.

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