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, AZ, DE & 5 other states

Answered by Joseph Bachmeier Medicare Insurance Agent

Lt Col Tim Brown · Answer

Yes you can if you have Medicare Part A & Part B.    You can also get one during your Medicare enrollment period.

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.

Robert Moore · Answer

Yes you can. When you lose credible coverage or are 65 and signing up for the first time that is called your initial enrollment period (IEP). This is the time that you do some research in the companies that provide a Medigap plan and the costs of the plan. Finding the right plan is paramount in long term health. Getting with an experienced and trusted Medicare broker will be the key to finding the proper plan for you.

Answered by Robert Moore on May 29, 2025

Broker Licensed in IN, AL, IL & 11 other states

Answered by Robert Moore Medicare Insurance Agent

Roger Werking · Answer

Yes, long as you are in your Initial Enrollment Period.

Which is 3 months before you turn 65 and 3 months sfter  age 65

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.

DeeDee Whitlock · Answer

You will get guarantee issue coming off employer group within 63 days of losing group. Insurance company may ask for proof of group or a certificate of coverage to get the guarantee issue

Jim Willis · Answer

As long as you meet the requirements of the insurance company, you can get a Guaranteed issue Medigap plan.  

The question is why wouldn't you consider a Medicare Advantage plan instead?  The cost is lower or zero with more benefits.  The Medigap plan has copays, deductibles and does not cover some things at all if Medicare does not cover it.

Rosalind Ryan · Answer

Yes, leaving employer coverage, opens a guaranteed issue right for a Medigap plan, which allows you to select one without having to go through underwriting or being rejected coverage because of your health status. You will have 63 days from the date your coverage end to enroll. Please let me know if you need my assistance with finding coverage that right for you.

Answered by Rosalind Ryan on June 4, 2025

Broker Licensed in GA, AL, FL & 8 other states

Answered by Rosalind Ryan Medicare Insurance Agent

Fred Manas · Answer

Yes, losing your employer-sponsored health coverage can trigger a guaranteed issue right for Medigap plans. This means you can enroll in a Medigap plan without medical underwriting, regardless of your health status. You'll have a specific timeframe (usually 63 days) from the date you lose coverage to enroll under these rights. 
Here's a more detailed explanation:
Guaranteed Issue Rights:
These rights protect you from being denied coverage or having to go through medical underwriting when you enroll in a Medigap plan. 
Losing Employer Coverage:
If your employer-sponsored retiree or union plan ends, you are eligible for guaranteed issue rights to enroll in a Medigap plan. 
Timeframe:
You typically have a period (usually 63 days) from the date you lose your employer coverage to enroll in a Medigap plan under guaranteed issue rights. 
No Medical Underwriting:
Because of guaranteed issue rights, insurers cannot deny your application for a Medigap plan or refuse to cover pre-existing conditions during this enrollment period. 
Best Available Rate:
Insurers must offer you the best available rate for the Medigap plan you choose during the guaranteed issue period. 
Important Considerations:
COBRA:
If you have COBRA coverage after your employer plan ends, you can buy a Medigap plan during or after your COBRA period. 
State Variations:
While most states follow federal guaranteed issue rules, some may have additional protections or variations. 
Contact SHIP:
You can contact your local State Health Insurance Assistance Program (SHIP) for more information and guidance.

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

Suzanne Lamperti · Answer

Yes,  that falls under Soecial Election Period. That is one of the instances where you can get guaranteed issue.

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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