GEHA and Medicare

Discussion in 'Senior Insurance Forum' started by sshafran, Oct 12, 2017 at 9:55 AM.

  1. sshafran
    Offline

    sshafran Well-Known Member

    Posts:
    1,146
    Likes Received:
    5
    State:
    Ohio
    Looks to me like there is never a time when someone has GEHA that they would want a supplement or a MAPD.

    A prospect e-mailed me today saying he has "standard 1 plus spouse" and wants me to call him to talk Medicare since he turns 65 in April.

    Before I reply, "I have nothing of value for you - please call GEHA" - I wanted to throw this out there and just make sure I'm not missing something.

    I'm 98% sure there is no sale to be made - just looking for confirmation that there isn't some sort of opportunity that I'm missing.
     
  2. GoPokes
    Offline

    GoPokes Well-Known Member

    Posts:
    1,017
    Likes Received:
    3
    State:
    Oklahoma
    Maybe you could meet with them, then after confirming they stay on GEHA, you could pivot to an FE discussion.
     
  3. sshafran
    Offline

    sshafran Well-Known Member

    Posts:
    1,146
    Likes Received:
    5
    State:
    Ohio
    I was more wondering if this was a situation at all similar to AON - where there is an opportunity to sell them a part of their medical coverage. I'm drawing the conclusion that it is not.

    From what I read, those on GEHA can indeed enroll in a Medicare Part C plan, but GEHA will not "waive the deductibles and coinsurance" like they would if they just had Medicare A&B.

    So it's not a "true supplement" - but it does seem to work like a supplement.

    And from what I can tell, if they elect a MAPD, it only hurts them rather than helps them (other than some potential minor tertiary benefits).
     
  4. GoPokes
    Offline

    GoPokes Well-Known Member

    Posts:
    1,017
    Likes Received:
    3
    State:
    Oklahoma
    I wish I could help, but it's been several years since I saw somebody with GEHA.
     
    sshafran likes this.

Share This Page