Can I get a Medigap plan with Guaranteed Issue if I'm losing my employer coverage?

Question

Joseph Bachmeier · Accepted Answer

You will be considered “guaranteed issue” as long as your employer coverage is considered credible coverage, which in most cases it is. There are a few other instances where you can be considered guaranteed issue.

Answered by Joseph Bachmeier on April 2, 2025

Agent Licensed in PA, DE, FL & MD, NC, NJ & SC

Answered by Joseph Bachmeier Medicare Insurance Agent

Nikki Rowland · Answer

Yes. You have a Guaranteed Issue right if:

1.You're 65 or older and have Medicare Part B.

2.You're losing employer-sponsored group health coverage (this includes coverage through you or your spouse).

3.You apply for a Medigap plan within 63 days of the coverage ending.

Timothy Brown · Answer

Yes you can. The following Medicare Supplement/Medigap Plans are Guarantee Issue:

Plan F: If born before January 1, 1955
Plan G: If born after January 1, 1955

Diana Garner · Answer

Yes, losing your employer coverage or any other creditable coverage generates a guaranteed issue period to sign up for a Medicare Supplement (Medigap) plan.

You only have 63 days to enroll after losing your employer coverage. I recommend signing up for the Medigap plan before employer coverage ends, so that you have coverage instead of going without coverage.

Steve Brauer · Answer

When you leave your Employer coverage, you usually have a "Guarantee Issue" scenario called a Special Enrollment period where your health issues are not a factor. But...you have only 60 days to obtain that MediGap coverage when you lose your employer health insurance. By the way, you have up to 8 months to enroll into Part B when you lose your employer coverage if you have not already enrolled.

Answered by Steve Brauer on April 8, 2025

Broker Licensed in AZ & CA

Answered by Steve Brauer Medicare Insurance Agent

David Christian · Answer

Yes, when you leave an employer-sponsored retiree coverage, you get "Guaranteed Issue" rights for Medigap plans. So you can buy a Medigap policy without health questions or waiting periods for pre-existing conditions, if you apply within a specific timeframe (usually 63 days).

Answered by David Christian on April 27, 2025

Broker Licensed in CA & TX

Answered by David Christian Medicare Insurance Agent

Glenn Alterman · Answer

Yes this is allowed as it’s like getting started on Medicare for the first time.  Please call me at 800-891-5151 and I’ll go over all the gap plans available and the costs for your zip code

Lesley Burns · Answer

If a potential client is losing employer coverage, yes there is a guaranteed issue right to enroll in a medigap plan.

Johnnie Jeter · Answer

If you receive communication from your employer that your health insurance coverage is ending, you may apply for a Medicare supplement plan starting 60 days before the loss of coverage and guaranteed issue rights end in 63 days after you lose coverage.

Answered by Johnnie Jeter on April 8, 2025

Broker Licensed in GA & OH

Answered by Johnnie Jeter Medicare Insurance Agent

Can I get a Medigap plan with Guaranteed Issue if I'm losing my employer coverage?

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Can I get a Medigap plan with Guaranteed Issue if I'm losing my employer coverage?

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