Final answer:
Individuals switching from one Medigap insurance company to another usually do not have guaranteed issue rights and may face medical underwriting or limitations on pre-existing conditions coverage.
Step-by-step explanation:
Consumers who are voluntarily switching from one Medigap insurance company to another are generally not guaranteed issue rights. This means that in most cases, they do not have the right to purchase a new Medigap policy without undergoing medical underwriting or ensuring that pre-existing conditions are covered. However, this can vary depending on state laws and specific circumstances, such as certain guaranteed issue periods or consumer protections. It's essential for consumers to research and understand their rights and possible limitations before switching Medigap plans.