During what circumstances can an individual utilize their guaranteed issue right for Medigap policies?

An individual can utilize their guaranteed issue right for Medigap policies during specific qualifying life events. This right allows beneficiaries to purchase a Medigap policy without medical underwriting, which means they cannot be denied coverage or charged higher premiums based on pre-existing conditions.

Qualifying life events may include situations such as losing other health coverage, moving out of a Medicare Advantage plan's service area, or having a Medicare Advantage plan that was terminated. These specific circumstances provide a protective measure for individuals who might otherwise have difficulties obtaining coverage due to health issues.

The other options do not accurately represent the conditions under which guaranteed issue rights apply. For instance, individuals cannot utilize this right during any enrollment period or merely at the end of the calendar year; these instances do not meet the criteria set for qualifying life events. Additionally, while open enrollment periods are significant for Medicare coverage in general, guaranteed issue rights are specifically linked to particular life events rather than being applicable only during these enrollment periods.