State RegulationsMI specificDifficulty 2/5
A Michigan beneficiary lost her Medicare Advantage coverage when the plan withdrew from her county. How long after that qualifying event does she have a guaranteed issue right to buy a Medicare supplement policy without underwriting?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Per the Michigan Department of Insurance and Financial Services (DIFS), a beneficiary who loses qualifying coverage, such as Medicare Advantage plan termination, has a guaranteed issue right lasting 63 days after the qualifying event. During that window an insurer must sell the appropriate standardized plan without underwriting or preexisting-condition waiting, outside the normal 6-month open enrollment framework.
Why the other options are wrong
- A) 30 days is the Med supplement return-window length, not the guarantee-issue window.
- B) 6 months describes the open enrollment period, a different right triggered by age 65 and Part B enrollment.
- C) 90 days is not the guarantee-issue window; the correct count after a qualifying event is 63 days.
Memory hook
Guarantee issue after a qualifying event: count 63 days, not the 6-month OEP.