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:

New to Medicare A & B Guaranteed issue


When’s the best time to buy a Medi Gap policy?

The best time to buy a Medigap policy is during your Medigap Guaranteed Issue 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 BPublication 02110 Page 14 & 45

Guaranteed Acceptance Guide
Blue Cross CA 

This is just a summary of the most common ways you can get a Medi Gap plan without having to answer health questions.

Get more detail at:

CA Health Care Advocates
Federal Choosing a Medi Gap Policy  #02110
Guaranteed Acceptance Guide Blue Shield

Scroll down for our cut & paste of the ACTUAL CA Law

Blue Shield Authorized Agent
No extra charge to you 

Blue Shield Logo & Enroll

Steve Video @ Blue Shield Headquarters

MediGap Plans from Anthem Blue Cross –
Click for Information and ONLINE enrollment

blue cross medi gap

Paper Application 

Under 65 coverage and converting to Medicare?


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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