Key Takeaways
- Guaranteed issue means you cannot be turned down for health reasons.
- It applies during specific windows or situations.
- Missing these windows may subject you to underwriting.
Guaranteed issue is your right, in certain situations, to purchase a Medigap policy without answering health questions or undergoing medical underwriting. During these protected windows an insurer must sell you a policy and cannot charge you more due to your health.
Outside guaranteed-issue windows, insurers may review your health and decline coverage, so timing matters.