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

Or just enrolled in Part B?

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:

On some pages you can 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

6 comments on “Turn Age 65 or newly enrolled in Part B

    • Yes, under situation # 1 above, you are entitled to guaranteed issue Medi Gap as it says 65 and enrolled in Part B!

      I grant you, I don’t like the wording… but I’ve checked with the carriers and have actually had coverage issued.

      I suggest you enroll, as soon as you get confirmation that Part B has been approved!

      See our Medi Gap Pages for Blue Cross and Blue Shield, two separate companies in CA

      There is no extra charge for our expertise. You can enroll online or we can help you in a Zoom meeting.

  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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