Medicare Answers: More on Medicare Guaranteed Issue Eligibility

  • Originally published November 19, 2013 , last updated December 23, 2014
  • Medicare
Medicare Answers: More on Medicare Guaranteed Issue Eligibility

This week’s Medicare Answers is a follow-up to a previous Medicare Answers addressing eligibility timing for guaranteed issue Medicare Supplement plans. If you have a Medicare question, email AskRoger@SeniorMarketSales.com.

Dave comments:

It’s been my experience that beneficiaries are eligible for a new Med Supp plan even if they ”voluntarily” leave an employer/group plan, usually because the costs are ratcheting up and it has become unaffordable.

Dear Dave,

Thank you for your follow-up to my article, “When Is a Medicare Beneficiary Eligible for Guaranteed Issue MS and MA plans?” The federal Medicare program is quite specific on what the minimum requirements are for guaranteed issue, and they are quite clearly laid out. (In fact, the Medicare.gov website is where I pulled my information from for the last article.) However, individual states have added certain minimum requirements to the federal law — the most widely known of these is a state law that carriers must issue Medicare Supplement to underage disability clients. Likewise, some states have added certain minimum requirements for instances when someone voluntarily leaves group coverage. So you are correct that there may be some instances when someone who leaves an employer or group plan voluntarily still can be eligible for guaranteed issue Med Supp.

Roger