Guaranteed Issue rights (also called “Medigap protections”) are the rights you have in certain situations. These situations occur when insurance companies are required by law to offer or sell you a Medigap policy. With these situations, an insurance company can’t deny you a Medicare Supplement policy. They also can’t place conditions on your Medicare Supplement policy (for example, exclusions for pre-existing conditions). Companies also can’t charge you more for a Medicare Supplement policy because of present or past health problems.