Guaranteed Renewable
Guaranteed renewable is a protection requiring an insurer to automatically renew or continue a policy, such as a Medigap plan, as long as the beneficiary pays premiums and has not committed fraud or made material misrepresentations. The insurer cannot drop coverage simply because the beneficiary's health declines.
Definition
Guaranteed renewable is a protection requiring an insurer to automatically renew or continue a policy, such as a Medigap plan, as long as the beneficiary pays premiums and has not committed fraud or made material misrepresentations. The insurer cannot drop coverage simply because the beneficiary's health declines.
Why it matters
It gives Medigap policyholders stable, ongoing supplemental coverage, which matters when advising patients on secondary coverage for home-based care costs.
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