What is a Guaranteed Issue Right?
Guaranteed issue rights (also called “Medigap protections”) are rights you have in certain situations when insurance companies are required by law to sell or offer you a Medigap Insurance plan even if you have health problems (called “pre-existing conditions”). A pre-existing condition is a health problem you have before the date a new insurance policy starts. In these situations, an insurance company must sell you a Medigap policy and cover all your pre-existing conditions. They can’t charge you more for a policy because of past or present health problems.
