Frequently Asked Questions
Q. How do you qualify for a Medicare Supplement “guaranteed issue” policy?
A. When you have the right to get a “guaranteed issue” Medicare Supplement, an insurance company has to sell you a policy. They have to cover all pre-existing conditions and they can't charge more because of any health problems that you may have. The rules for qualifying for a “guaranteed issue” policy can be confusing. You can get a Medicare supplement with "guaranteed issue" if you meet certain criteria:
- You have Medicare and employer group coverage that is ending. The coverage can end for various reasons including retirement, the company canceling benefits, etc.
- You are in a Medicare Advantage Plan that leaves your area, or you move out of their service area.
- You have a Medicare Select Policy, and you move out of their service area.
- When you turned 65, you joined a Medicare Advantage Plan, and then decided that you wanted to switch to Original Medicare within your first year.
- If you had a Medicare Supplement policy and decided to drop it to join a Medicare Select or Medicare Advantage Plan for the first time, and then you decided that you didn't like it within a year, you can switch back. The first year in an Advantage Plan or Select Plan is a trial period.
- You have a Medicare Supplement policy, and your company goes bankrupt.
- You leave a Medicare Advantage Plan because the Advantage Plan did not follow the rules.
The best thing to do is to consult with a NCSCA Certified and Liscensed Medicare Advisor.
Open Enrollment and Guaranteed Issue Worksheet (link opens in new window)