Medicare
What are Medicare Supplement guaranteed issue rights?
Guaranteed Issue Rights allow you to buy Medigap without medical underwriting in specific situations: losing employer coverage, first year in Medicare Advantage (trial right), your MA plan leaving your area, or your Medigap plan going bankrupt. You have 63 days from losing qualifying coverage to enroll with guaranteed issue.
Key Points
- Guaranteed Issue Rights allow buying Medigap without medical underwriting
- 63-day window from losing qualifying coverage
- Main triggers: losing employer coverage, Medicare Advantage plan leaving area, plan bankruptcy
- Trial right: first 12 months in Medicare Advantage
- Missing the 63-day window means facing medical underwriting
- Some states have additional guaranteed issue protections