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Medigap - Guaranteed Issue Periods

Medigap – Guaranteed Issue Periods

Did you know there are specific periods when you have the opportunity to secure a Medigap policy without the hassle of medical underwriting? These are the guaranteed issue periods, and they can make a significant difference in the coverage you receive. Sounds too good to be true? Enter the world of guaranteed issue periods, where your health status doesn’t stand between you and comprehensive coverage. Let’s explore these periods and ensure you’re not missing out on valuable opportunities for comprehensive Medicare coverage.

Switching Back to Original Medicare within 12 Months

Reverting back to Original Medicare within 12 months could happen in varying ways. Here are several scenarios:

  • If you enrolled in a Medicare Advantage plan at age 65 and decide to switch back to Original Medicare within the first 12 months.
  • Transitioning from Medicare Advantage to a Medigap Supplement within the initial year is also a guaranteed issue period.
  • If you dropped a Medigap Supplement for an Advantage plan but then decide you want to switch back within 12 months.
  • Leaving a Medigap Supplement for an Advantage plan within the first year and wishing to switch back? You guessed it ─ guaranteed issue.

Changes in Medicare Advantage Service Area

  • If your Medicare Advantage plan is dropping coverage in your area, they’ll create an opportunity for you.
  • Moving out of your plan’s service area? Your guaranteed issue period awaits.

Employer Group Health Plan Termination

If you have Original Medicare Part A and B as your primary insurance, and your employer group health plan ends through no fault of your own, then you’re eligible for a guaranteed issue period.

Why it Matters

Whether you’re switching plans, facing changes in service areas, or experiencing an employer group health plan termination, guaranteed issue periods are your ticket to securing a Medigap policy without the stress of health-related questions or potential denials due to pre-existing conditions. If you find yourself in one of the scenarios mentioned, act promptly to explore and secure Medigap coverage without the usual underwriting hassles.

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