What are the Guaranteed Issue Rules for when you are
new to Medicare as you’ve turned 65?

Here’s Blue Shield rule from their Guaranteed Issue Guide:

Situation 1

You are:

Enrolled in Medicare and are age 65 or older; or

• New to Medicare, are age 64 or younger, and do not have end-stage renal disease

Your plan choices Plan A, C, D, F, High Deductible F, K, or N

When to apply

• If you are age 65 or older: Blue Shield must receive your application within six (6) months, beginning with the first day of the first month in which you are both age 65 or older, and you are enrolled for benefits under Medicare Part B.

• If you are age 64 or younger: Blue Shield must receive your application within six (6) months of your enrollment in Medicare Part B, or if you are notified retroactively of eligibility for Medicare, within six (6) months of notice of eligibility.

You must supply this documentation Be sure to fill out the following sections of your enrollment application:

• Medicare Parts A and B effective dates and your Medicare number.

• In addition, if you are age 64 or younger, please complete the Current Insurance Coverage information section indicating you do not have end-stage renal disease. Guaranteed Issue Guide

When’s the best time to buy a Medigap policy?

The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B.  Publication 02110 Page 14 

Medigap Open Enrollment Period

A one‑time‑only, 6‑month period when federal law allows you to buy any Medigap policy you want that’s sold in your state. It starts in the first month that you’re covered under Medicare Part B, and you’re 65 or older.

During this period, you can’t be denied a Medigap policy or charged more due to past or present health problems. Some states may have additional Open Enrollment rights under state law. Publication 02110 Page 45 

Blue Shield Guaranteed Acceptance Guide - SituationsBlue Shield CALIFORNIA – Guaranteed Acceptance Guide – Situations Federal Guaranteed Issue Rights Publication 2110Federal Guaranteed Issue Rights Publication 2110
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4 comments on “Turn Age 65

  1. 1 Is it true that one has to sign up for a Medigap plan within 6 months of starting Medicare?

    2 I will be starting in June, [that’s when I turn 65] so can I wait until November to sign up for a Medi-gap plan ? (to save money?)

    • 1 Yes, see above for details

      2 Yes, if I’m counting on my fingers correctly. Your six months would start in June.

      I do not recommend that you wait. If this is your plan, you might be better off finding another agent to help you. Purposely waiting can only lead to a malpractice claim and a major hurt to your pocket book. If one knew when they were going to have a claim or be in an accident, they just wouldn’t leave the house that day.

      Will your next question be, how long can you wait to sign up for Part B?

      3 months after the month you turn 65. That would save you $134/month.

      If you are on a budget, how about Hi F? You pay the first 2k of bills, not paid by Medicare A or B and you save around $100/month on premium. Get quotes and enroll online.

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