{"id":13442,"date":"2026-05-15T10:45:19","date_gmt":"2026-05-15T15:45:19","guid":{"rendered":"https:\/\/www.bluekc.com\/blueprint\/?p=13442"},"modified":"2026-05-18T09:37:36","modified_gmt":"2026-05-18T14:37:36","slug":"new-med-supp-application-now-includes-document-upload-for-guaranteed-issue-rights","status":"publish","type":"post","link":"https:\/\/www.bluekc.com\/blueprint\/agents\/broker-resources\/new-med-supp-application-now-includes-document-upload-for-guaranteed-issue-rights\/","title":{"rendered":"New! Med Supp application now includes document upload for guaranteed issue rights"},"content":{"rendered":"\n<p>Guaranteed issue cases often require extra follow\u2011up, manual documentation, and delays that can impact you and your clients. Based on your feedback, we\u2019ve enhanced our Medicare Supplement online application, which helped:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Streamline the application process<\/li>\n\n\n\n<li>Reduce follow\u2011up requests and delays<\/li>\n\n\n\n<li>Ensure timely review of guaranteed issue eligibility<\/li>\n<\/ul>\n\n\n\n<p>We will continue to strive for turnaround times of 2\u20135 days for underwritten application, subject to peak volume seasonality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What qualifies as guaranteed issue supporting documentation<\/strong><\/h2>\n\n\n\n<p>You may upload the following documentation for guaranteed issue eligibility. Please make sure documents are clear and legible, preferably on carrier letterhead (if applicable), to expedite processing. All documents will be reviewed to confirm guaranteed issue eligibility.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of prior coverage termination or non\u2011renewal notice<\/li>\n\n\n\n<li>Employer or plan sponsor letter confirming loss of medical coverage<\/li>\n\n\n\n<li>Medicare Advantage or PACE plan disenrollment confirmation notice<\/li>\n\n\n\n<li>Letter from prior Medigap insurer documenting bankruptcy or coverage termination<\/li>\n\n\n\n<li>CMS or carrier correspondence supporting trial right timelines<\/li>\n\n\n\n<li>Power of Attorney (POA) paperwork<\/li>\n\n\n\n<li>Current insurance, Medicare Advantage, Medicare Supplement, or state issued ID cards<\/li>\n\n\n\n<li>Proof insurance is paid to date, such as a bank statement<\/li>\n\n\n\n<li>Valid proof of address, such as a utility bill<\/li>\n\n\n\n<li>Certificate of insurance, policy summary, or schedule pages<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Timing for submitting guaranteed issue<\/strong> <strong>rights application<\/strong><\/h2>\n\n\n\n<p>Clients must generally apply within 63 days of their prior coverage ending to preserve guaranteed issue rights. If client knows they will be applying in advance of their loss of coverage, they can apply up to 60 days in advance of the expected loss of coverage date.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Guaranteed issue<\/strong> <strong>rights details and benefits&nbsp;<\/strong><\/h2>\n\n\n\n<p>When guaranteed issue rights apply, clients receive important protections, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No medical underwriting<\/li>\n\n\n\n<li>No pre\u2011existing condition waiting periods<\/li>\n\n\n\n<li>No health\u2011based rate increases<\/li>\n<\/ul>\n\n\n\n<p>Guaranteed issue rights generally apply when a client experiences a qualifying coverage event, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employer or union group health plan ends <\/li>\n\n\n\n<li>Retiree coverage ends or the individual leaves the group plan<\/li>\n\n\n\n<li>Medigap Anniversary Rule<\/li>\n\n\n\n<li>Loss of Medicare Advantage or PACE coverage \u2013 Plan stops operating, leaves the service area, or terminates coverage<\/li>\n\n\n\n<li>Medicare Advantage trial right (first time at age 65) \u2013 Client joined a Medicare Advantage plan when first eligible and switches back to Original Medicare within 12 months<\/li>\n\n\n\n<li>Medigap coverage ends involuntarily \u2013 Carrier bankruptcy or documented fraud causes coverage termination<\/li>\n\n\n\n<li>Returning to Medigap trial right from Medicare Advantage \u2013 Client dropped Medigap policy to join a Medicare Advantage plan for the<strong> first time<\/strong>, was on the Medicare Advantage plan less than 12 months and wants to repurchase the same Medigap plan.<\/li>\n<\/ul>\n\n\n\n<p>If you have questions about eligible situations or documentation, your Blue KC team is here to help. Thank you for continuing to partner with us to make Medicare coverage transitions as smooth as possible for your clients and our members.<\/p>\n\r\n\t\t\t<div id=\"daexthefu-container\"\r\n\t\t\t\tclass=\"daexthefu-container daexthefu-layout-side-by-side daexthefu-alignment-left\"\r\n\t\t\t\tdata-post-id=\"13442\">\r\n\r\n\t\t\t\t<div class=\"daexthefu-feedback\">\r\n\t\t\t\t\t<div class=\"daexthefu-text\">\r\n\t\t\t\t\t\t<h3 class=\"daexthefu-title\">Was this helpful?<\/h3>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"daexthefu-buttons-container\">\r\n\t\t\t\t\t\t<div class=\"daexthefu-buttons\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t<div class=\"daexthefu-yes daexthefu-button daexthefu-button-type-icon\" data-value=\"1\">\r\n\t\t\t\t\r\n                <svg>\r\n                    <defs>\r\n                        <style>.thumb-up-cls-1{fill:#c9c9c9;}.thumb-up-cls-2{fill:#e1e1e1;}.thumb-up-cls-3{fill:#676767;}<\/style>\r\n                    <\/defs>\r\n                    <g id=\"thumb_up\">\r\n                        <path class=\"thumb-up-cls-2 daexthefu-icon-circle\" d=\"m24,3c11.58,0,21,9.42,21,21s-9.42,21-21,21S3,35.58,3,24,12.42,3,24,3m0-1C11.85,2,2,11.85,2,24s9.85,22,22,22,22-9.85,22-22S36.15,2,24,2h0Z\" \/>\r\n                        <g>\r\n                            <rect class=\"thumb-up-cls-3 daexthefu-icon-secondary-color\" x=\"10\" y=\"20\" width=\"6\" height=\"15\" rx=\"1.5\" ry=\"1.5\" \/>\r\n                            <path class=\"thumb-up-cls-1 daexthefu-icon-primary-color\" d=\"m30.57,9.06l-.49-.1c-.81-.17-1.61.35-1.78,1.16l-5.3,11.74c-.17.81,3.16,1.61,3.97,1.78l1.96.41c.81.17,1.61-.35,1.78-1.16l2.18-10.27c.34-1.61-.7-3.21-2.31-3.56Z\" \/>\r\n                            <path class=\"thumb-up-cls-1 daexthefu-icon-primary-color\" d=\"m38.17,20h-18.67c-.83,0-1.5.67-1.5,1.5v12c0,.83.67,1.5,1.5,1.5h16.27c.71,0,1.33-.5,1.47-1.21l2.4-12c.19-.93-.53-1.8-1.47-1.8Z\" \/>\r\n                        <\/g>\r\n                    <\/g>\r\n                <\/svg>\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t<div class=\"daexthefu-no daexthefu-button daexthefu-button-type-icon\" data-value=\"0\">\r\n\t\t\t\t\r\n                <svg>\r\n                    <defs>\r\n                        <style>.thumb-down-cls-1{fill:#c9c9c9;}.thumb-down-cls-2{fill:#e1e1e1;}.thumb-down-cls-3{fill:#676767;}<\/style>\r\n                    <\/defs>\r\n                    <g id=\"thumb_down\">\r\n                        <path class=\"thumb-down-cls-2 daexthefu-icon-circle\" d=\"m24,3c11.58,0,21,9.42,21,21s-9.42,21-21,21S3,35.58,3,24,12.42,3,24,3m0-1C11.85,2,2,11.85,2,24s9.85,22,22,22,22-9.85,22-22S36.15,2,24,2h0Z\" \/>\r\n                        <g>\r\n                            <rect class=\"thumb-down-cls-3 daexthefu-icon-secondary-color\" x=\"10\" y=\"13\" width=\"6\" height=\"15\" rx=\"1.5\" ry=\"1.5\" \/>\r\n                            <path class=\"thumb-down-cls-1 daexthefu-icon-primary-color\" d=\"m30.57,38.94l-.49.1c-.81.17-1.61-.35-1.78-1.16l-5.3-11.74c-.17-.81,3.16-1.61,3.97-1.78l1.96-.41c.81-.17,1.61.35,1.78,1.16l2.18,10.27c.34,1.61-.7,3.21-2.31,3.56Z\" \/>\r\n                            <path class=\"thumb-down-cls-1 daexthefu-icon-primary-color\" d=\"m38.17,28h-18.67c-.83,0-1.5-.67-1.5-1.5v-12c0-.83.67-1.5,1.5-1.5h16.27c.71,0,1.33.5,1.47,1.21l2.4,12c.19.93-.53,1.8-1.47,1.8Z\" \/>\r\n                        <\/g>\r\n                    <\/g>\r\n                <\/svg>\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"daexthefu-comment\">\r\n\t\t\t\t\t<div class=\"daexthefu-comment-top-container\">\r\n\t\t\t\t\t\t<label id=\"daexthefu-comment-label\" class=\"daexthefu-comment-label\"><\/label>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"daexthefu-comment-character-counter-container\">\r\n\t\t\t\t\t\t\t\t<div id=\"daexthefu-comment-character-counter-number\"\r\n\t\t\t\t\t\t\t\t\tclass=\"daexthefu-comment-character-counter-number\"><\/div>\r\n\t\t\t\t\t\t\t\t<div class=\"daexthefu-comment-character-counter-text\"><\/div>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<textarea id=\"daexthefu-comment-textarea\" class=\"daexthefu-comment-textarea\"\r\n\t\t\t\t\t\t\t\tplaceholder=\"Type your message\"\r\n\t\t\t\t\t\t\t\tmaxlength=\"\r\n\t\t\t\t\t\t\t\t400\t\t\t\t\t\t\t\t\t\"><\/textarea>\r\n\t\t\t\t\t<div class=\"daexthefu-comment-buttons-container\">\r\n\t\t\t\t\t\t<button class=\"daexthefu-comment-submit daexthefu-button\">Submit<\/button>\r\n\t\t\t\t\t\t<button class=\"daexthefu-comment-cancel daexthefu-button\">Cancel<\/button>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"daexthefu-successful-submission-text\">Thanks for your feedback!<\/div>\r\n\r\n\t\t\t<\/div>\r\n\r\n\t\t\t","protected":false},"excerpt":{"rendered":"<p>Guaranteed issue cases often require extra follow\u2011up, manual documentation, and delays that can impact you and your clients. Based on your feedback, we\u2019ve enhanced our Medicare Supplement online application, which helped: We will continue to strive for turnaround times of&#8230;<\/p>\n","protected":false},"author":26,"featured_media":13445,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_helpful_status":1,"_analytify_skip_tracking":false,"footnotes":""},"categories":[2,3,7],"tags":[58,59],"post-on-community-impact":[],"class_list":["post-13442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agents","category-broker-resources","category-gated-agent","tag-agents-ifp-aca","tag-agents-medicare"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>New! 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