Consumers switching from one Medicare Supplement plan carrier to another usually:

When individuals are switching from one Medicare Supplement plan carrier to another, they are generally required to answer health questions. This is because, unlike during certain enrollment periods when guaranteed issue rights may apply (for example, when first becoming eligible for Medicare), switching between carriers typically does not afford this protection.

During a switch, the new insurer assesses risk based on the applicant's current health status and medical history. This risk assessment often involves answering questions about pre-existing conditions, treatments received, medications currently taken, and overall health. The information provided will impact the underwriting process and potentially the premium rates, which may differ significantly from the previous plan.

In contrast, guaranteed issue rights are usually applicable under specific circumstances, such as if a plan is discontinued or if an individual moves out of their plan's service area. The options about retaining the same premium and automatically qualifying for discounts do not apply, as premiums can vary widely between carriers and plans chosen by consumers.