http://www.seniorcorps.org/medicare/when-do-i-have-guaranteed-issue-rights-for-medigap/ Helping Seniors Help America Mon, 07 Oct 2013 07:48:13 +0000 hourly 1 http://wordpress.org/?v=3.4.2 http://www.seniorcorps.org/medicare/when-do-i-have-guaranteed-issue-rights-for-medigap/#comment-10778 Seniors Webs » medicare advantage trial period (PDF download) Sat, 08 Sep 2012 19:58:22 +0000 http://www.seniorcorps.org/?p=1336#comment-10778 [...] a trial period with Medicare Advantage leads. Seniors turning 65 are inundated with … When Do I Have Guaranteed Issue Rights For Medigap? You will also have rights during your trial period with Medicare Advantage. If, during that trial [...] [...] a trial period with Medicare Advantage leads. Seniors turning 65 are inundated with … When Do I Have Guaranteed Issue Rights For Medigap? You will also have rights during your trial period with Medicare Advantage. If, during that trial [...]

]]> http://www.seniorcorps.org/medicare/when-do-i-have-guaranteed-issue-rights-for-medigap/#comment-8796 John Lowden Thu, 17 May 2012 15:55:05 +0000 http://www.seniorcorps.org/?p=1336#comment-8796 If I understand you correctly, I think you are referring to "trial period". If you are new to medicare and join a Medicare Advantage, you have 12 months in which you can drop it and join a medigap policy and cannot be turned down, this is often referred to SEP-65. In this situation you don't have to wait for any kind of annual enrollment period. The other situation is if you are dropping a medigap policy (at any age 65 or older) and joining a medicare advantage for the first time and then you decide within the first 12 months that you want to go back to your medicare supplement, you may go back to it on a guaranteed issue basis with the company you were with. If that company no longer offers that same plan, then other companies must take you (at least on certain plans). Note: this is in order to get a medigap policy back on a guaranteed basis, if you desired to take one out with another company and NOT use your guarantee issue priviledge, you would have to pass underwriting and some companies think you have to use the original company if the same pan is still available, but I disagree. If I understand you correctly, I think you are referring to “trial period”. If you are new to medicare and join a Medicare Advantage, you have 12 months in which you can drop it and join a medigap policy and cannot be turned down, this is often referred to SEP-65. In this situation you don’t have to wait for any kind of annual enrollment period.
The other situation is if you are dropping a medigap policy (at any age 65 or older) and joining a medicare advantage for the first time and then you decide within the first 12 months that you want to go back to your medicare supplement, you may go back to it on a guaranteed issue basis with the company you were with. If that company no longer offers that same plan, then other companies must take you (at least on certain plans).
Note: this is in order to get a medigap policy back on a guaranteed basis, if you desired to take one out with another company and NOT use your guarantee issue priviledge, you would have to pass underwriting and some companies think you have to use the original company if the same pan is still available, but I disagree.

]]> http://www.seniorcorps.org/medicare/when-do-i-have-guaranteed-issue-rights-for-medigap/#comment-8656 Letitia Dobosy Tue, 03 Apr 2012 08:19:35 +0000 http://www.seniorcorps.org/?p=1336#comment-8656 Medicare's special publication, "Choosing a Medigap . . ." (pages 23-24) contains chart that illustrates guaranteed issue rights. In two of the Trial Rights periods, a "NOTE" indicates there can be a 12-month 'extension' of a Medicare Advantage plan due to special circumstances. Can you advise what these 'special circumstances' could be that allow a Medicare Advantage policyholder a 12-month 'extended' period? Does this 12-month 'extension' period also continue the guaranteed issue rights protection the Trial Periods insure? Medicare’s special publication, “Choosing a Medigap . . .” (pages 23-24) contains chart that illustrates guaranteed issue rights. In two of the Trial Rights periods, a “NOTE” indicates there can be a 12-month ‘extension’ of a Medicare Advantage plan due to special circumstances. Can you advise what these ‘special circumstances’ could be that allow a Medicare Advantage policyholder a 12-month ‘extended’ period? Does this 12-month ‘extension’ period also continue the guaranteed issue rights protection the Trial Periods insure?

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