Guaranteed issue rights (also called “Medigap protections”)

Guaranteed issue rights, also known as “Medigap protections,” are rights granted to Medicare beneficiaries that ensure they can purchase a Medicare Supplement Insurance (Medigap) plan without undergoing health screenings or being denied coverage due to pre-existing conditions. These rights are triggered in specific situations, such as when an individual loses other health coverage or involuntarily loses their Medigap coverage. Guaranteed issue rights provide important consumer protections, allowing individuals to maintain or change their Medigap coverage without facing barriers related to their health status. Understanding guaranteed issue rights is crucial for Medicare beneficiaries to ensure they have access to supplemental coverage that meets their healthcare needs.