Did You Know: Guarantee Issue Rights for a Medicare Supplement
When writing a Medicare Supplement with a guarantee issue right Medicare set a rule allowing you to automatically purchase without underwriting for Medigap Plan A, B, C, D, F, G, K or L that’s sold in your state by any insurance company.
Exceptions to the rule:
- Plans C and F are no longer available to people new to Medicare on or after January 1, 2020.
- However, if you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy Plan C or Plan F. People new to Medicare on or after January 1, 2020, have the right to buy Plans D and G instead of Plans C and F.
- Some carriers can offer additional plan letters at their discretion.
*Note that most Medicare Supplement plans pay less in commission when a guaranteed issue right is being used.