Ok, the Gordon might have been a bit cloudy on facts. Write it down folks... don't happen often.
2011 Choosing a Medigap Policy, page 14-15, and page 40. Medicare alone counts as creditable coverage ONLY when a person is buying a medigap plan during OE, other times, such as your client, you have to be replacing other coverage such as medigap, group health, MA, etc.
The facts probably got twisted in my mind since I seem to have several clients come to me T65 that have already been on Medicare for a while. I do remember one particular case that may have made this stick. Guy calls, his wife is DI Medicare, she is starting to have some seriously expensive treatments for RA. She is 64, nothing I can do. I tell him that when she T65s that she'll have OE and can get a plan. He's worried that it won't be covered. I read the referenced material (long time ago) to confirm that she will be 100% covered. Then it was the tough decision on who to place her with. I hate handing one of my top companies a expensive client like that.
So to clarify my earlier statements, Medicare alone acts as creditable coverage for those on Medicare A/B before they turn 65.
See, that is why I suggest everyone double check what is posted on internet forums. Good catch!
But, like Frank said, it is rare to have a claim denied for pre-x and most companies have removed it completely.
2011 Choosing a Medigap Policy, page 14-15, and page 40. Medicare alone counts as creditable coverage ONLY when a person is buying a medigap plan during OE, other times, such as your client, you have to be replacing other coverage such as medigap, group health, MA, etc.
The facts probably got twisted in my mind since I seem to have several clients come to me T65 that have already been on Medicare for a while. I do remember one particular case that may have made this stick. Guy calls, his wife is DI Medicare, she is starting to have some seriously expensive treatments for RA. She is 64, nothing I can do. I tell him that when she T65s that she'll have OE and can get a plan. He's worried that it won't be covered. I read the referenced material (long time ago) to confirm that she will be 100% covered. Then it was the tough decision on who to place her with. I hate handing one of my top companies a expensive client like that.
So to clarify my earlier statements, Medicare alone acts as creditable coverage for those on Medicare A/B before they turn 65.
See, that is why I suggest everyone double check what is posted on internet forums. Good catch!
But, like Frank said, it is rare to have a claim denied for pre-x and most companies have removed it completely.
