A guaranteed issue right allows you to enroll in a Medicare Supplement plan without medical underwriting in certain situations. Guaranteed issue rights apply when: your Medicare Advantage plan leaves the market, you move out of your plan's service area, your employer coverage ends, or you are in a trial period with Medicare Advantage.
Key Points
- Guaranteed issue right: enroll in Medigap without medical underwriting
- Applies when: Medicare Advantage plan leaves market, you move out of service area, employer coverage ends
- Trial period with Medicare Advantage: guaranteed issue right to return to Medigap
- Guaranteed issue right window: typically 63 days
- An independent agent can help you identify and use your guaranteed issue rights