Guaranteed Emission Rights – Part 1

Guaranteed Emission Rights – Part 1

Health care in general and Medicare in particular, can be a very onerous world. According to the National Association of Insurance Commissioners, there were 858 health insurers in the United States in 2016. No wonder choosing a company, not to mention a health plan, is a challenge for many people. In addition to choosing the right cover, however, other important aspects must be considered.

If you want to take out additional Medicare insurance, it is important to determine the best time to buy supplementary insurance in your state. In general, the best time to sign up for a Medigap policy is the Medicare open registration period. If you fail to enroll within the 6-month window, you can purchase Medigap if you possess a guaranteed issue right.

You are probably wondering when is your open enrollment period? And what are your guaranteed issue rights? I’m here to assist you find the right answer to these questions.

The basics: When can I apply for Medigap?

First and foremost, Medigap insurance is a private health insurance supplemented by Original Medicare. This means that part of the healthcare costs not covered by Original Medicare (such as the “gaps” in Medicare coverage), such as co-payments, co-insurance and deductibles, will be borne. Find the best supplement plans at

Most people sign up for Medicare when they are 65 years old. This is known as the Open Enrollment Period. This OPE is a fixed window within which you can sign up for health insurance from Medicare. It begins 3 months prior to your 65th birthday – including the month when you turn 65 – and runs until 3 months after your birthday. Within this six-month Medigap registration period, you have the right to purchase all Medigap policies offered in your state, and you can not be denied based on existing conditions. The six-month Medigap registration period begins on the first day your open registration period begins, it can’t be replaced or delayed.

During open registration, you can purchase all the policies if you:

  • are 65 or older
  • will soon become 65
  • are below 65

Apply for Medigap after the open registration period

If you apply after your open enrollment period has elapsed, there is no guarantee that your insurance company will sell you a Medigap policy if you do not meet your medical insurance requirements, unless you are eligible for one of the following situations:

  • You are below 65 and eligible for Medicare due to disability or end stage renal disease (ESRD).
  • You have health problems
  • You have an existing condition
  • You have other insurance
  • You have a guaranteed exhibition right

You may also experience problems when trying to acquire a Medigap policy outside of a protected registration period. For example, companies may refuse to sell a policy to you or set certain medical requirements that are difficult to meet. If a company agrees to sell you a policy, you may be required to pay a greater monthly premium and then wait for six months before Medigap covers for your existing terms.

Does Medicare care pay for Nursing home care?

Medicare nursing home coverage is not a straightforward topic. What does Medicare cover? What does the patient have to pay for on his own? The answers to these questions will determine the kind of care you need. Medicare Part A typically includes up to 100 days of skilled care. Unfortunately, Medicare does not cover long-term care.

What is a nursing home?

A Nursing home is a facility that offers special care to seniors who need help with their lives. These types of facilities can provide medical assistance or volunteer help. Sometimes seniors are housed or opt for a care facility due to the high demands on the daily care needed by the recipient.

Many nursing homes have skilled and trained nurses who specialize in the needs of the patient. Sometimes there is also a doctor on standby who can also treat complaints. There are many different types of nursing homes; some are more at home, with a home-like feeling where others may feel more medicated, with nurse stations and other functions found in a hospital.

Does Medicare cover nursing homes?

Medicare Part A includes inpatient treatments, such as the type of care you would receive in a nursing home. However, this coverage is limited. Medicare starts with 100% of the first 20 days of a qualifying nursing home stay. After the 20th day, Medicare only covers 80% of these costs. This means that you usually have to pay a co-insurance sum of $ 167.50 per day. These are the remaining 20% ​​of the costs. These are the current costs in 2018.

As soon as you have reached 100 days in the care facility, Medicare will discontinue payment. As a result, you are responsible for all costs associated with your nursing home stay. For this reason, Medicare only claims short-term care. This type of short term care may be required if you are recovering from an illness or injury. If you need long-term care for disability, disease, or illness, Medicare will not pay for the expenses.

In addition, nursing homes offer some services that Medicare may not cover. This includes a custodial care or a private room.

Does Medicare Supplements Cover Nursing Homes?

If you are looking for ways to fully pay for your nursing home care, a Medicare supplement may be the solution. Some Medicare supplement plans cover the 20% coverage that you would normally be responsible for on days 21 to 100. This ensures that you are fully covered in case you need to stay in a nursing home for a short time.

Unfortunately, just like Medicare, these plans do not cover long-term care. They are designed to fill the gaps in Medicare coverage by taking over the percentage of costs not covered by Medicare.

Find a Medicare Nursing Home

If you find that you may need home care, it is important that you find a facility that accepts Medicare and that is Medicare certified. It’s difficult to do it alone. For this reason, Medicare has created an easy-to-use tool that allows seniors to locate a nursing home.

How enrollment periods can affect Medicare Supplement plans eligibility?

Enrolling in Medicare supplement plans during the Open Enrollment period is the best time. This is because this is the time that that begins when you attain 65 years and have enrolled with Part B Medicare. It also stays alive for six months. It means you can get the Medicare supplement plans available from your 65th birthday month to another six months. This is the best time as you can get enrolled despite health issues. The insurance company does not charge more, even if there are health problems and they also cannot deny you coverage. The guaranteed issue rights are the special protections in this period.


A Medicare supplement insurance company does not reject the enrolment based on health reasons. In fact, the company cannot make you wait also for a period of six months before the pre-existing conditions coverage. After the waiting period of six months, the pre-existing conditions will be covered by the plan. This waiting period does not apply if you enroll during Open Enrollment Period as Medicare Supplement plans.

Get a quote for a 2019 advantage plan at

Once the Medicare Supplement Open Enrollment Period gets completed, you can apply anytime for a Medigap, but in case it is applied without guaranteed-issue rights, there is possibility that the insurance company undergo medical underwriting. In such conditions the charge may be higher in case there are health problems and there is no assurance of getting a plan cover. Though, there are exceptions, for instance, Medicare supplement insurance company misleads or goes bankrupt, you have to change the plans of Medicare Supplement with guaranteed issue.

Am I Medicare Supplement plans eligible under age 65?

As per the Federal law less than 65 years are not given Medicare supplement plans, but some states do fulfill this requirement. You may check in your state, your area about the availability of your rules on Medigap Plans.


Individuals under 65 having Original Medicare due to a disability, end-stage renal disease or amyotrophic lateral sclerosis (ALS), may have a Medicare Supplement policy and this is the decision of the state. However, depending on the place you live, you may not buy the policy you need or any Medigap plan until turning 65. Thus the best time to get enrolled is during the Open Enrolment period with Medicare supplement plans as it has guaranteed issue rights.


If companies sell the same Medicare Supplement Plans even to less than 65 years people, such companies may be charging more or may deny coverage for the pre-existing conditions. Thus, check before indulging in a purchase.

Medicare Advantage Plans are available to all, widowed or divorced


Widowed or divorced; this is a serious stage that many individuals fear as their main concern is that the loss of their partner will affect their qualification for Original Medicare.

The fact is that the marital status does not affect the ability of qualifying for Medicare. One is eligible for Medicare if:


  • You are 65 years or more
  • You have not attained 65 years but have a qualifying disability
  • You are a citizen of the U.S. or a legal resident for literally 5 consecutive years
  • Regardless of the age, if you suffer with amyotrophic lateral sclerosis or end-stage renal disease.


Part A monthly premium marital status

Your marital status does not affect eligibility, but it may affect your Medicare cost of Part A monthly premium. Generally, individuals qualify for Part A premium-free as they have paid and worked for Medicare taxes for a period of 10 years at least or 40 quarters. Such people have a work history.


There is a need for working people to pay the Medicare taxes for a period of 10 years to stay qualified for the reduced-premium Part A or premium-free. However, you can use your deceased or former spouse work history under a few conditions:

  • Your marriage lasted for a period of 10 years at least prior to the divorce date or
  • Your marriage lasted for 1 year at least prior to the death of your spouse


The monthly premium amount of Part A depends on the length of the working period of your spouse and paid Medicare taxes.

  • You receive Part A premium-free in case your late or former spouse paid for 10 years or the 40 quarters of Medicare taxes or
  • You may pay per month $227( as of 2017), in case your spouse paid for 30-39 quarters the Medicare taxes or
  • You pay per month $413(as of 2017), if your spouse worked fewer than 30 quarters.


The situations of each individual may vary. Check for Medicare Eligibility tool online and you can calculate that you have to pay for Part A.

Part B monthly premium


Most individuals pay for Part B Medicare advantage plans as monthly premium. However individual earning higher income pay higher monthly premium. But individuals missing out the Part B enrolment during their eligibility will have to bear the late penalties. You may ask details and get proper information before enrolling.

Time to Apply for Medicare Advantage Plans Coverage

Purchasing Medicare advantage plans is considered right during the open enrolment period. This is the time that starts on the month first day as you turn 65 years and is enrolled in Part B Medicare. It also lasts for a period of 6 months. The right enrolling time as it is the Guaranteed Issue Period.


  • An insurance company may not consider any health exam.
  • The insurance company cannot deny selling Medicare advantage plans.
  • An insurance company does not charge for any Medigap policy more even if one has health problems. Thus, this is important for people with crucial health conditions.
  • An insurance company cannot unnecessarily delay in the coverage to initiate or also consider charging higher premium amount, despite your pre-existing health conditions. However, this facility can be enjoyed only on buying Medicare advantage plans within the open enrolment period or the guaranteed issue period. However, in many cases there is a waiting period of pre-existing conditions offered as coverage and this is not an issue typically with Medicare advantage coverage.
  • Accepting a Medigap plan and making payments of the premium regularly means your carrier will renew automatically your plan. Thus, it is beneficial for people having pre-existing or adverse health conditions.


There is Open Enrollment annual periods that allows buying new Medigap plans or even changing the existing Medigap plan.


In case it is your 65th birthday and you are away even during the Annual open enrolment period, then also you may apply for the coverage of Medicap, for specific guaranteed issue rights, premium rate and acceptance that cannot be assured. For instance, if you do not apply in the open enrolment period, you may have to face the underwriting requirements, where an insurance company may deny selling the Medicare Advantage plans policies.


Medicare Advantage Insurance Application is located here

Despite, the time of year, it is in the best of the interest to ensure you have the best Medigap policy available. All you have to do is contact a Medicare Advantageal Insurance specialist to ascertain you are getting the right coverage amount of at the best available rate.


You may enter the zip code and see the providers of Medicare advantage plans providers in your area. The prices for a plan may vary with each provider and so get 3-4 quotes from the top Medigap providers from the country so that you are assured of quality coverage for now and the future.

How Much does a Policy Cost and how Medicare Supplement plans are determined

The premiums for each Medicare supplement plans are based on different factors, but are not limited to the benefits to be received. More the benefit, the more is the premium.  Conversely, understand the fact that having all the coverage may keep your mind in peace, but you will not need all the benefits, thus why pay unnecessarily for something. Plans A to N are different and provide varying coverage degrees. Thus, it is important to choose the right plan prior to starting shopping for quotes.


Medicare Supplement plans 2019The benefits offered are determined as the policy cost. However, the Medicare supplement plans are sold and issued through private insurance companies.  The advantage here to the provider is that each insurer can set their rates on policies. But, the fact is that the benefits of each plan are the same, despite from whom you purchase the policy. It is crucial to obtain multiple quotes prior to buying Medicare supplement plans insurance policies.


There are three wars that Medicare Supplemental insurance premiums are determined and they are:

  •  (No-age rated) Community-rated – Employing the premium calculation method as community-rated the monthly premium is charged in a plan. It is also known as no-age rated plan, despite the ages of the policy holders. Even though the premium on a community-rated plan does not escalate with your age, it may escalate with the inflation or similar factors.
  •  (Entry-age rated) Issue-age rated – An insurer basing the price factors on Medigap coverage as per issue-age, or entry-age, will assess the premium based on the age you are and when you initially buy your coverage. This is also referred to as the plan it was issued. The premiums are lower using this pricing method, for people buying at a younger age a Medigap plan. The premium however, goes up based on inflation or identical factors.
  • Attained-age rated – Using this premium calculation method as attained-age premium, insurers base your Medigap premium on the present age. This means the premium will be based on the attained age. The Medicare Supplement plans will begin low for younger policy holders, and will increase as they get older.


The premium pricing methods are also the key factors that can have an effect on the due total premium, such as your marital status, geographical location, possible discounts and the living conditions, deductibles and status of medical underwriting. You may be qualified for various premium discounts, so enter the zip code and check about the insurance details available in your area.

Do you know Medicare supplement plans are changing, know it here

Are you in the United States buying Medicare supplement plans, ascertain to choose carefully your insurance in a few months. There is a need to know about the changing plans of Medigap so that you buy the right plans.


It is said that the doors on Plan F close by the 2019 end and is regarded to be the supplemental insurance policies Cadillac plan referred to as Medigap. It is designed mainly for people who dislike healthcare cost. Yet, it is also the supplement plans that is highly popular used to pay for Medicare services that is not covered by Traditional Medicare.


However, unless there is a significant price increase, the Plan G existing is certainly a better deal and can be found at The government is planning to cut off Plan F access for the new enrollees of Medicare to control the costs. Nevertheless, the other eight Medicare supplement plans will remain open for new enrollees to get enrolled.


The insurance experts expect Plan G as the new draw if people are looking for most coverage without surprises. Plan F is actually an expensive option and it is highly preferred as the best option even by retirees as they can visit any hospital or doctor accepting the Medicare patients. There is no problem as there is no deductible afterwards as coinsurance or co-payments.


Participants in Plan F can be a part of the plan even as the doors close by next year end. But on turning 65 after the 2020 beginning, you cannot buy Plan F.  Anyhow, if you are having Medicare supplement plans now and are buying a Medigap or Medicare Advantage plan that is switching from 2020 Jan 1, it may be really difficult. Though, most states permit insurance companies to screen for diabetes to heart attacks and cancer. You may be turned away on that basis from Plan F or you may be burdened with paying high premiums.


Actually, plan G is same as plan F but for $183 that is deductible that must be paid at the year beginning by the participants. The rates vary by the insurance company and state, but the plan F premium as national average per month is $185.96, while with Plan G it is $155.70. Thus buying G of Medicare supplement plans is simple and you can also save on premiums per year around $350 than considering deductible of $183 in plan F to buy as the insurance cover.

What more you must know before purchasing Medicare Supplement Plans G?

Enrolled in Plan G Medicare Supplement  means you may have to pay for Part B Medicare deductible as outpatient services that includes diagnostic radiology and lab, doctor visits, durable medical equipment, therapies, and medical supplies Medicare-covered, prior to plan G begins paying for the covered services. The Part B Medicare in 2018 is $183 as annual deductible.


Plan G of Medicare Supplement has a lower premium than Plan F of Medicare Supplement and this covers generally the services are covered by Plan G in Medicare supplement plan and in Part B as deductible. Bear in mind the premium costs that vary among the plans.


Bear in mind, Part B Medicare should not be confused with Plan B Medicare supplement as it covers 100% preventive care services. It means you have to pay for Part B deductible prior to receiving the Medicare Part B benefits as coverage for the services such as the flu annual shot, annual wellness or some preventive cancer screenings.


After the Part B deductible is paid, the Plan G in Medicare Supplement plans pay all the expenses remaining for outpatient diagnostic treatments and services that is Medicare-covered. Typically, Medicare pays the outpatients costs as 80% and Medicare Supplement Plan G may pay other 20%.


Availability:  The Medicare supplement plans provided by the insurance companies may or may not offer all the standard benefit plans. You may see if Plan G of Medicare supplement is available in the place you live. The simple way of checking is to enter the zip code of your state and compare the plans offered by Medicare supplement plans.


CostThe Medicare Supplement plans provide regular benefit packages and that is set, while the insurance companies set individual monthly premiums, that you may compare prices taking into consideration the plans.


Enrollment:  The best time for a Medicare Supplement plan to apply is during the six-month enrolment period of Medicare Supplement plans that begins the day you get enrolled in both, Medicare Part B and also attain the age 65 or older.  The insurance companies now do not deny offering you the coverage and do not charge in excess based on your health status (although you may have to experience a waiting period before the starting of health condition coverage). In case you delay in buying a Medicare Supplement plan during this period, you may be subjected to medical underwriting. If so, you might not be able to purchase a Medicare Supplement plan or have to pay a little more for the coverage.