If you’re a Medicare beneficiary and want to enroll in a Medigap policy, you may encounter a situation where you’re denied coverage or charged a higher premium due to your health status. However, there are specific circumstances under which you have guaranteed issue rights, which protect you from being denied coverage or charged a higher premium. These rights are also known as Medigap protections.

Here are the seven Guaranteed Issue Rights that all Medicare beneficiaries should be aware of:

1. You have a guaranteed issue right if you’re within your six-month Medigap Open Enrollment Period. This period begins on the first day of the month you’re 65 or older and enrolled in Medicare Part B.
2. You have a guaranteed issue right if you’re in a Medicare Advantage plan, and your plan leaves Medicare or stops providing coverage in your area.
3. You have a guaranteed issue right if you lose your employer health coverage that pays after Medicare pays, or you lose the coverage through a Medicare Advantage plan.
4. You have a guaranteed issue right if you leave a Medicare Advantage plan or drop a Medigap policy because the company has misled you or committed fraud.
5. You have a guaranteed issue right if your Medigap insurance company goes bankrupt, and you lose your coverage.
6. You have a guaranteed issue right if you move out of your Medigap plan’s service area or if you’re eligible to join a Medicare Advantage plan under a Special Enrollment Period.
7. You have a guaranteed issue right if you’re enrolled in a Medicare Select plan and move out of the plan’s service area.

It’s crucial to understand these Guaranteed Issue Rights to protect yourself from being denied coverage or charged a higher premium when enrolling in a Medigap policy. However, keep in mind that these protections are time-limited, and you need to apply for a Medigap policy during the specified timeframe to exercise your rights.

At MedicareQuotesNow.com, we are committed to helping you navigate the complex world of Medicare. We can help you understand your Guaranteed Issue Rights and choose the best Medigap policy for your needs. Contact us today to learn more and ensure you have access to the healthcare you are entitled to.