Q & A
What are “guaranteed issue rights?”
Answer: Guaranteed issue rights (also called “Medigap protections”) are rights you have in certain situations when insurance companies must offer you certain Medigap policies. In these situations, an insurance company:
- Must sell you a Medigap policy
- Must cover all your pre-existing health conditions
- Can’t charge you more for a Medigap policy because of past or present health problems
In most cases, you have a guaranteed issue right when you have other health coverage that changes in some way, like when you lose the other health care coverage. In other cases, you have a “trial right” to try a Medicare Advantage Plan (Part C) and still buy a Medigap policy if you change your mind.
Click here for more information on this subject.
Source: Medicare.gov
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