Guaranteed issue protection under California Medigap law requires an insurer to accept an applicant:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under CIC Section 10192.12, when a beneficiary experiences a qualifying event — such as losing employer group health coverage or involuntarily losing a Medicare Advantage plan — they have guaranteed issue rights to purchase certain Medigap plans without medical underwriting. The insurer cannot deny coverage or apply health-status premiums during the guaranteed issue window. This protection exists so that people are not locked out of Medigap when coverage changes outside their control. Examples of qualifying events include losing employer group coverage, leaving a Medicare Advantage plan within the first year of enrollment, and moving out of a plan's service area. Each event has a specific enrollment window in which the right must be exercised.
Why the other options are wrong
- B) Guaranteed issue expressly waives medical underwriting; no examination is required in a qualifying situation.
- C) Preexisting conditions cannot block enrollment when guaranteed issue rights apply.
- D) Guaranteed issue guarantees access at standard rates, not the highest rate; insurers may not price based on health during the window.
Memory hook
Lose your group plan, keep your Medigap right: guaranteed issue means no health questions, no denial.