Medicare Guide
36 months of Guaranteed Issue Protection
Can't decide between a Medicare Advantage or a Medicare Supplement Plan?
Choosing your first Medicare plan is a big decision—and you want to get it right. To give you extra peace of mind, BlueCross BlueShield of South Carolina offers a unique advantage no other local carrier can match.
We offer a 36-month guaranteed issue period.
This exclusive benefit gives you the freedom to start with a BlueCross Medicare Advantage plan when Medicare becomes your primary insurance. You can try it out and—within your first 36 months—switch to a BlueCross Medicare Supplement (Medigap) plan without undergoing health underwriting.
With BlueCross and the 36-month Guaranteed Issue:
- You can switch plans without answering health questions.
- You cannot be denied coverage because of a new or existing health condition.
- Your premium won't increase due to your health history.
36 Months vs. 12 Months
BlueCross gives you 36 months for Guaranteed Issue into a BlueCross Medicare Supplement. Other insurance companies only provide the 12-month Medicare trial right for Guaranteed Issue into a Medicare Supplement.
What Guaranteed Issue Means for You
Normally, switching from a Medicare Advantage plan to a Medicare Supplement plan requires medical underwriting outside of your 12-month trial right. That can mean answering health questions, paying higher premiums for certain conditions, or even being denied coverage.
Whether you develop diabetes, have a heart procedure, need joint surgery, or face a new diagnosis in your first few years on Medicare, you can still move to a BlueCross Medicare Supplement plan without restrictions.
That's triple the flexibility and triple the peace of mind.
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