During open enrollment for a Medicare Supplement, guaranteed issue means the policy must be offered on a guaranteed issue basis.

During open enrollment for a Medicare Supplement, guaranteed issue means the policy must be offered on a guaranteed issue basis.

• A. The policy must be offered on guaranteed issue during open enrollment.
• B. The policy can be denied due to health.
• C. The policy is only available after underwriting.
• D. The policy never cancels.

Answer: (A)

Guaranteed issue in open enrollment means the insurer must issue a Medicare Supplement policy to you without health underwriting, regardless of your health conditions. This protection ensures you aren’t denied coverage or charged higher premiums during that period, so the requirement is that the policy be offered on a guaranteed issue basis. Why the other statements don’t fit: during guaranteed issue you can’t be denied due to health, so a denial based on health isn’t allowed. It’s not true that the policy is only available after underwriting within this window. And while guaranteed issue governs issuance, it doesn’t mean the policy can never be canceled later for legitimate reasons like nonpayment or fraud.

Guaranteed issue in open enrollment means the insurer must issue a Medicare Supplement policy to you without health underwriting, regardless of your health conditions. This protection ensures you aren’t denied coverage or charged higher premiums during that period, so the requirement is that the policy be offered on a guaranteed issue basis.

Why the other statements don’t fit: during guaranteed issue you can’t be denied due to health, so a denial based on health isn’t allowed. It’s not true that the policy is only available after underwriting within this window. And while guaranteed issue governs issuance, it doesn’t mean the policy can never be canceled later for legitimate reasons like nonpayment or fraud.