North Carolina
Senior Citizens Association     Non-Profit Organization
LCBA Anthem Manhattan Life Colonial Penn Physicians Mutual AARP Mutual of Omaha United American GPM Life Americo New Era Bankers Fidelity Medico Transamerica Cigna Mutual of Omaha CSI Humana Assured Life Companion Life USAA Aetna

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:

  1. You have Medicare and employer group coverage that is ending. The coverage can end for various reasons including retirement, the company canceling benefits, etc.
  2. You are in a Medicare Advantage Plan that leaves your area, or you move out of their service area.
  3. You have a Medicare Select Policy, and you move out of their service area.
  4. 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.
  5. 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.
  6. 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.
  8. If you need help,  consult with the Association Certified and Licensed Medicare Advisor.

Open Enrollment and Guaranteed Issue Worksheet (link opens in new window)