Guaranteed Issue Plan

Seniors often wonder when they are guaranteed to be approved for enrollment in any
Medicare supplement plan of their choice without the threat of being denied for medical
reasons. That right is called "guaranteed issue"

Initially, you are entitled to guaranteed issue during your open enrollment for Medigap.
Your open enrollment for Medigap begins when you meet the dual requirement of reaching
age 65 and enrolling in Medicare Part B, and last for a period of six months from the first
day of the month in which you meet these requirements.

Trail rights

If you join a Medicare Advantage plan or a program of all-inclusive care for the elderly (Pace)
plan at age 65, you may switch to original Medicare within your first year. If you decide to switch
then you are entitled to enroll for a Medigap plan under guaranteed issue status.  This is called
"trail right" because it allows you to try these other programs without incurring any penalty toward
a Medigap policy.

If you purchase a Medigap plan, but then cancel the policy to get a Medicare Advantage or
Medicare Select plan for the first time, you can switch back to a Medigap plan within the first year.

With both these trial scenarios, the rules grant you eligibility for the guaranteed issue of a Medigap
plan if you apply up to 60 days before but no more that 63 days after your current coverage ends.

These are just a few of your guaranteed issue rights.



We specialize in Medicare Advantage plans and  Medicare Supplement plans so contact our
agency and an agent can assist you and make sure you fully understand your options and make
sure you get the best rates available. We cover Southern California,counties of Riverside,
San Bernardino and surrounding area's. We also cover Nevada and all of Utah.  Please visit
 us online at Medicareplansdirect.net or call 760-413-9749.

Sincerely,
Tom Caress
760-413-9749