An insurance company cannot refuse to sell you a Medigap policy in the following situations:

You have a guaranteed issue right if....
You have the right to buy......
You can/must apply for a Medigap policy...
You're in a Medicare Advantage Plan, and your plan is leaving Medicare or stops giving care in your area, or you move out of the plan's service area.
Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company. 

You only have this right if you switch to Original Medicare rather than join another Medicare Advantage Plan.
As early as 60 calendar days before the date your health care coverage will end, but no later than 63 calendar days after your health care coverage ends.  Medigap coverage can't start until your Medicare Advantage Plan coverage ends.
You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending.

NOTE:  In this situation, you may have additional rights under state law.
Medigap Plan A, B, C, F, K, or L that is sold in WV by any insurance company.  

If you have COBRA coverage, you can either buy a Medigap policy right away or wait until the COBRA coverage ends.
No later than 63 calendar days after the latest of these 3 dates:
1.  Date the coverage ends
2.  Date on the notice you get telling you that coverage is ending (if you get one)
3.  Date on a claim denial, if this is the only way you know that your coverage ended 
You have Original Medicare and a Medicare SELECT policy. You move out of the Medicare SELECT policy’s service area. Call the Medicare SELECT insurer 
for more information about your 
options. 
Medigap Plan A, B, C, F, K, or L that’s sold by any insurance company in your state or the state you’re moving to. 

As early as 60 calendar days before 
the date your Medicare SELECT coverage will end, but no later than 63 calendar days after your Medicare SELECT coverage ends.
(Trial Right) You joined a Medicare Advantage Plan or Programs of All-inclusive Care for the Elderly (PACE) when you were first eligible for Medicare Part A at 65, and within the first year of joining, you decide you want to switch to Original Medicare.
Any Medigap policy that is sold in your state by any insurance company.
As early as 60 calendar days before the date your coverage will end, but no later than 63 calendar days after your coverage ends.
(Trial Right) You dropped a Medigap policy to join a Medicare Advantage Plan (or to switch to a Medicare SELECT policy) for the first time, you have been in the plan less than a year and you want to switch back.
The Medigap policy you had before you joined the Medicare Advantage Plan or Medicare SELECT policy, if the same insurance company you had before still sells it.

If you former Medigap policy is not available, you can buy Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company.
As early as 60 calendar days before the date your coverage will end, but no later than 63 calendar days after your coverage ends.

Note:  Your rights may last for an extra 12 months under certain circumstances.
Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy coverage otherwise ends through no fault of your own.
Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company.
No later than 63 calendar days from the date your coverage ends.
You leave a Medicare Advantage Plan or drop a Medigap policy because the company has not followed the rules, or it misled you.
Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company.
No later than 63 calendar days from the date your coverage ends.

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