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 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 about Medigap Guaranteed Issue Rights

As always ask your Medicare health insurance specialists at Total Benefit Solutions Inc if you have any questions or concerns about your Medigap plan choices.