Which situation qualifies for guaranteed issue rights?

Guaranteed issue rights ensure that individuals can obtain a Medicare Supplement Insurance policy without being subject to medical underwriting or the possibility of denial based on health status. This is particularly important for those transitioning between different healthcare plans.

In the context of transitioning from a Medicare Advantage Plan to Original Medicare, individuals are entitled to guaranteed issue rights. This transition often occurs when a person feels that their current Medicare Advantage Plan no longer meets their health needs or if they want more comprehensive coverage through Original Medicare. Under these circumstances, individuals can secure a Medigap policy without facing health-related restrictions.

This scenario aligns perfectly with the rules governing guaranteed issue rights, which are designed to protect beneficiaries as they move between different types of Medicare coverage. Other options do not provide the same solid grounds for guaranteed issue rights. For example, being hospitalized, turning 65, or losing employer-sponsored insurance may trigger different rights or opportunities, but they do not specifically ensure guaranteed issue rights like the transition from a Medicare Advantage Plan to Original Medicare does. Thus, understanding the nuances of such transitions is key to navigating Medicare options effectively.