When you are entitled to a Medicare Supplemental Guarantee, the insurance company must sell the policy to you. They must cover all existing conditions and cannot be charged for any health problems you may have. When you first join Medicare, it is called the "open registration period." This lasts for six months, starting on the first day of your 65-year-old month and registering for Medicare Part B. During this time, you will receive a Medicare supplement policy that does not require health issues.
How do you get a "guarantee question"?
If you meet certain criteria, you can get a Medicare supplement with a "guarantee question":
1. You are in the Medicare Advantage program leaving your area, or you have left their service area.
2. Your health insurance and employer group insurance is coming to an end. Insurance coverage may be terminated for a variety of reasons, including retirement, company cancellation benefits, etc.
3. You have a Medicare selection policy and you have left their service area.
4. When you are 65 years old, you join the Medicare Advantage program and decide to switch to the original Medicare within the first year.
5. You have a Medicare supplement policy and decide to join the Medicare Select or Medicare Advantage program for the first time, then you decide not to like it within a year and you can switch back. The first year of the discount plan or selection plan is the trial period.
6. You have a supplementary policy and your company has gone bankrupt.
7. You signed the Medicare offer because the offer did not follow the rules.
Rules that comply with the warranty policy may be confusing. The best way is to consult a professional professional.
Orignal From: Guaranteed to issue Medicare supplements
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