If you have any pre-existing medical conditions, changes to your Medigap Plan made outside the Open Enrollment Period may limit your plan choices.
Fortunately, Guaranteed Issue rights offer relief if your coverage is lost due to a qualifying event, allowing you to choose a plan even if you have a pre-existing condition. But, these rights may differ across states based on your situation.
Let's look at Guaranteed Issue rights and how they vary from state to state.
Guaranteed Issue Rights, also called Medigap Protections, are your rights in specific situations that permit you to choose any Medicare Supplement ( Medigap
In medical underwriting, insurance companies examine your medical history, including your medical records and prescription history, to determine whether to offer insurance and at what cost.
If you have guaranteed issue rights, insurance companies:
Are legally obligated to sell you a Medicare Supplement (Medigap) policy
Cannot reject your application
Must cover all your pre-existing conditions
Cannot overcharge you due to a pre-existing condition
Guaranteed Issue Rights are only available under specific conditions, so it's good to enroll in a Medigap or Medicare Supplement plan during your Medigap Open Enrollment Period
You're eligible for guaranteed issue rights under the following situations:
If you're enrolled in a Medicare Advantage plan
It will no longer be part of Medicare
It's discontinuing its service in your region, or
You move outside of your plan's service area
When your employer group health plan or union coverage that supplements Original Medicare is ending
If you have a Medicare SELECT
When your Medigap Insurance company goes bankrupt, or your plan coverage ends through no fault of your own
If you leave a Medicare Advantage Plan or a Medigap plan because your insurance company didn't follow the rules or misled you
In a similar vein, you have Trial Rights 1 and 2:
If you enrolled in a Medicare Advantage plan or PACE (Program of All-inclusive Care for the Elderly) Initial Enrollment Period
If you dropped a Medigap plan to enroll in a Medicare Advantage plan (or Medicare SELECT plan) for the first time and, within the first year and decide to switch back
Note: There may be times when more than one of the situations above applies to you. When this happens, you can choose the guaranteed issue right that gives you the best choice.
If your insurance provider moves out of your service area, goes bankrupt, or discontinues your coverage for reasons that don't involve you, then:
You can choose a Medigap plan* sold by any insurance provider in your state
You can apply for a Medicare Supplement (Medigap) plan starting 60 days before your coverage ends until 63 days after your coverage has expired
To apply for a plan change with guaranteed issue rights, you must have the following information:
A disenrollment letter from your insurance company
The date your coverage ends
Your name (or the applicant's name) on the documentation
*Note: If you're eligible for Medicare after January 1, 2020, you cannot use guaranteed issue rights to enroll in Medicare Supplement Plan F.
If your employer group health plan or union coverage is ending, you can choose most Medigap plans* sold by any insurance provider in your state. Don't bank on your retirement plan or COBRA creditable coverage
The latest you may apply for a Medigap policy is 63 calendar days after one of the following three events:
The end of your coverage
The date of the notification informing you of the coverage termination (if received)
The date of a denied claim, if it was the only way to determine coverage termination
Note: Under certain conditions, your rights may be extended for 12 months (To learn more about this, talk with one of our advisors
When applying for a Medigap plan, keep a record of the following items:
Copies of any letters, notices, emails, or claim denials that include your name as evidence of your coverage termination
The postmarked envelope these documents came in as proof of the mailing date
You may need to submit some or all of these documents with your Medigap application to prove your guaranteed issue right.
If you lose your insurance coverage without canceling it or due to non-payment, it's considered involuntary, and you may be eligible for guaranteed issued rights.
However, if you choose to leave your group coverage voluntarily, keep the following information handy while applying for a Medigap plan:
The date the coverage ends
Documentation from your employer or carrier on their letterhead
Information about whether the coverage was primary or secondary
If an insurance provider misleads you or violates the regulations for Medicare Supplement plans, you may be eligible for guaranteed issue rights to enroll in a new plan.
To claim this, you may have to file a complaint with Medicare, and if your appeal is approved, you'll receive a guaranteed right to enroll in a new plan.
However, you must apply for your new Medigap plan within 63 days of your coverage ending.
As a federal program, Medicare allows states to impose additional rules as long as they adhere to the fundamental Medicare standards. Some states have implemented favorable regulations to assist seniors in adjusting their Medigap plans.
Here's a brief on different state-specific guaranteed issue rights.
Missouri — Once a year, during your policy anniversary, you can switch to a Medigap plan with similar or lesser benefits. This window of opportunity starts 30 days before your policy anniversary and ends 30 days after.
Washington — Has year-round guaranteed issue rights. You can switch to a similar or lower-benefit plan at any time.
California and Oregon — These states follow the Birthday Rule, which means that you can change your plan up to 30 days before and 30 days after your birthday each year.
Massachusetts — Has a state-specific Medigap Open Enrollment Window from February 1 to March 31 each year.
In some states, voluntarily terminating a group health plan does not grant guaranteed issue rights. But, some states allow the transition from employer coverage to Medigap using guaranteed issue rights. These states are:
Alaska
Arkansas
California
Colorado
Florida
Idaho
Illinois
Indiana
Iowa
Kansas
Louisiana
Maine
Missouri
Montana
Nevada
New Jersey
New Mexico
Ohio
Oklahoma
Pennsylvania
South Dakota
Texas
Virginia
West Virginia
Wisconsin
State-Specific Medicare Guaranteed Issue Rights for Group Termination
In addition to state-specific guaranteed issue rights, some states also provide continuous or annual open enrollment periods to help Medicare beneficiaries change their plans.
Some states allow you to change Medigap plans at any time or at specific times without undergoing medical underwriting. These states are:
Connecticut
New York
Vermont — only for Mutual of Omaha and UnitedHealthcare plans
Maine — Offers Open Enrollment annually in June. You can switch to a similar or lower-benefit plan without medical underwriting during this period
Guaranteed Issue Rights and Open Enrollment Window
If you're eligible for guaranteed issue rights, you'll need to provide documentation before switching plans.
For a Medigap-to-Medigap policy change, you'll need the following:
A copy of your current Medicare Supplement ID card with your current plan letter and your name
Proof of payment for the last three months that includes your full name
For a Medicare Advantage-to-Supplement policy change, you'll need the following:
Proof of disenrollment
The policy end date
Guaranteed Issue rights are important to the Medicare program, allowing you to access essential medical coverage during life events or circumstances that result in the loss of your existing plan.
However, Guaranteed Issue Rights vary among states, with some offering more favorable regulations for seniors and those with disabilities. Learn your state's regulations to make the most of the benefits provided by Medicare.
If you have any questions or need assistance in understanding your guaranteed issue rights, call us at 1-888-376-2028. Our team of experts
Does Medicare Cover Cervical Disc Replacement?
Jan 20, 2023
Estimating Prescription Drug Costs
May 25, 2020
The Fair Square Bulletin: October 2023
Oct 2, 2023
Does Medicare Cover the WATCHMAN Procedure?
Dec 1, 2022
How Medicare Costs Can Pile Up
Oct 11, 2022
Does Medicare Cover Kidney Stone Removal?
Nov 23, 2022
What People Don't Realize About Medicare
Mar 27, 2023
Does Medicare Cover Light Therapy for Psoriasis?
Jan 17, 2023
Does Medicare Cover Scleral Lenses?
Dec 5, 2022
Does Medicare Cover Penile Implant Surgery?
Dec 9, 2022
Explaining the Different Enrollment Periods for Medicare
Feb 3, 2023
Does Medicare Pay for Funeral Expenses?
Dec 6, 2022
Does Medicare Cover Home Heart Monitors?
Dec 1, 2022
Can I Use Medicare Part D at Any Pharmacy?
Aug 28, 2023
What Is a Medicare Supplement SELECT Plan?
Apr 25, 2023
When to Choose Medicare Advantage over Medicare Supplement
Jun 7, 2023
Does Medicare Cover Urodynamic Testing?
Dec 2, 2022
Does Medicare Cover Bariatric Surgery?
Dec 27, 2022
13 Best Ways for Seniors to Stay Active in Phoenix
15 Best Ways for Seniors to Stay Active in Denver
2024 Fair Square NPS Report
Building the Future of Senior Healthcare
Can I Have Two Primary Care Physicians?
Do All Hospitals Accept Medicare Advantage Plans?
Do Medicare Supplement Plans Cover Dental and Vision?
Does Medicare Cover an FMT?
Does Medicare Cover Boniva?
Does Medicare Cover Cala Trio?
Does Medicare Cover Cardiac Ablation?
Does Medicare Cover Cartiva Implants?
Does Medicare Cover Cosmetic Surgery?
Does Medicare cover Deviated Septum Surgery?
Does Medicare Cover Fosamax?
Does Medicare Cover Geri Chairs?
Does Medicare Cover Hepatitis C Treatment?
Does Medicare Cover Hypnotherapy?
Does Medicare Cover Inspire for Sleep Apnea?
Does Medicare Cover Iovera Treatment?
Does Medicare Cover Jakafi?
Does Medicare Cover Ketamine Infusion for Depression?
Does Medicare Cover Kyphoplasty?
Does Medicare Cover Linx Surgery?
Does Medicare Cover Macular Degeneration?
Does Medicare Cover Mouth Guards for Sleep Apnea?
Does Medicare Cover Nexavar?
Does Medicare Cover Orthodontic Care?
Does Medicare Cover Ozempic?
Does Medicare Cover PTNS?
Does Medicare Cover Qutenza?
Does Medicare Cover SI Joint Fusion?
Does Medicare Cover Stair Lifts?
Does Medicare Cover TENS Units?
Does Medicare Cover the Urolift Procedure?
Does Medicare Cover Vitamins?
Does Medicare pay for Opdivo?
Does Medicare Require a Referral for Audiology Exams?
Fair Square Bulletin: We're Revolutionizing Medicare
Fair Square Client Newsletter: AEP Edition
Finding the Best Dental Plans for Seniors
Finding the Best Vision Plans for Seniors
How Are Medicare Star Ratings Determined?
How Do I Sign up for Medicare? A Simple How-To Guide For You
How Does Medicare Pay for Emergency Room Visits?
How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?
How is Medicare Changing in 2025?
How Much Does Medicare Part B Cost in 2025?
How Much Does Open Heart Surgery Cost with Medicare?
How Much Does Xeljanz Cost with Medicare?
How to Apply for Medicare?
How to Become a Medicare Agent
Is Botox Covered by Medicare?
Is PAE Covered by Medicare?
Is Vitrectomy Surgery Covered by Medicare?
Medicare Advantage MSA Plans
Medicare Advantage Plans for Disabled People Under 65
Medicare Guaranteed Issue Rights by State
Should You Work With A Remote Medicare Agent?
The Easiest Call You'll Ever Make
Top 10 Physical Therapy Clinics in San Diego
What Are Medicare Part B Excess Charges?
What Does Medicare Cover for Stroke Patients?
What Happens to Unused Medicare Set-Aside Funds?
What is a Medicare Beneficiary Ombudsman?
What is the Medicare ICEP?
What To Do If Your Medicare Advantage Plan Is Discontinued
What to Do When Your Doctor Doesn't Take Medicare
What You Need to Know About Creditable Coverage
What's the Difference Between HMO and PPO Plans?
Which Medigap Policies Provide Coverage for Long-Term Care?
Will Medicare Cover it?
Get the Fair Square Bulletin
Medicare savings tips, helpful guides, and more.
Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
MULTIPLAN_FairSquareMedicare_01062022_M