What is Guaranteed Issue for Medicare Supplement plans, and when does it apply?

Answered by 2 licensed agents

When clients ask about Guaranteed Issue for Medicare Supplement plans, I explain it’s a right that stops insurers from denying coverage or raising rates due to pre-existing conditions. It applies during your initial enrollment at 65—starting the first day of your birthday month and lasting six months—or within 63 days of losing qualifying coverage, like an employer plan, or during your 12-month trial period if you’re new to Medicare Advantage and switch back to Original Medicare. For folks under 65 with disabilities, federal law doesn’t guarantee it, but many states offer a similar six-month window when you enroll in Part B. Missing these windows usually means facing medical underwriting.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent
Guaranteed issue period for Medicare supplement is 3 months prior to the month you turn 65, the month you turn 65 an d 3 months after the month you turn 65 got a total of 7 months. During this time frame you do not have to answer any health questions and are guaranteed acceptance at preferred rates

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Tags: Eligibility Medicare Supplement

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