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Module 3, Lesson C: Guaranteed Issue Rights

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Situation #7

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You cancel your current Medicare + Choice plan, Medicare SELECT policy, or Medigap policy because your insurance company has committed fraud. For example, the marketing materials were misleading, or quality standards were not met.

In this situation, you leave the health care plan because it failed to meet its contract obligations to you. Generally, you must file a grievance with the health care plan, Medicare, or the state insurance department and receive a favorable decision that the plan is at fault before you have this right.

Plan Options

You have the right to buy the Medigap Plan A, B, C, or F that is sold in your state.

Time Limit

You must apply during the period that starts 60 days before you leave your plan and ends 63 days after your coverage ends.

Select the Beneficiary Profile icon to review an example of a beneficiary in this situation.

Select the Chart icon for an overview of guaranteed issue rights.

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Last Updated 11/02/2004