Guaranteed issue question

[Winter_123]

Chuck, I hate to have to bring this up again (I have posted numerous times about this) but the word is "creditable", NOT "credible"....

Just increditable the way people keep mixing those up.

 

[insuranceconceptscindy]

I believe she would fall under a SEP and be eligible for GI. Personally, I would throw the noodle against the wall and see if it sticks. Be honest and let her know that you are getting conflicting information and give it a whirl. The company is ultimately the one making the decision. If it comes back no, you can always fall back to an MA plan. I'd say do it quick- within her 63 days.
Good luck!

 

[Winter_123]

If it comes back no, you can always fall back to an MA plan. I'd say do it quick- within her 63 days.
Good luck!

In addition to the MA fallback, you can always get someone on to an AARP med supp plan if they do not have end stage renal. I would have to refer it out though because I gave up my AARP appointment at the end of the last enrollment period and have no interest in selling their products again. But it is an option for the client.

I checked up on state law again today and I think I am all set. She will need to step lively though because she needs to obviously get the part B enrollment before I can do the supp enrollment.

Winter

 

[jdeasy]

You need to break out your "Choosing a Medigap Policy" booklet ( that is required to be left with every Med Sup client), and turn to page 18. The very first GI situation states: "You can apply up to 60 calendar days before the date your health care coverage will end. You must apply no later than 63 calendar days after your health care coverage ends." This goes on for every other issue right for GI, all the way to #7.

Off track? I think not.

Yes, the Open Enrollment Period is one time 6 months following enrollment in Part B. Winter said his client used that privelege up... now it is the pre-ex question, not GI.

Actually, situation number 1 is for a person leaving an MA plan. The situation that Winter is asking about is #2. His client is leaving an employer plan. It plainly states; "Note: In this situation, state laws may vary."

 

[jdeasy]

I believe she would fall under a SEP and be eligible for GI. Personally, I would throw the noodle against the wall and see if it sticks. Be honest and let her know that you are getting conflicting information and give it a whirl. The company is ultimately the one making the decision. If it comes back no, you can always fall back to an MA plan. I'd say do it quick- within her 63 days.
Good luck!

SEP is for MA plans. Not med sups.

 

[retread]

Actually, situation number 1 is for a person leaving an MA plan. The situation that Winter is asking about is #2. His client is leaving an employer plan. It plainly states; "Note: In this situation, state laws may vary."

I didn't say issue #1 applied to Winter's situation, merely responding to your comment that the 63 day limit for creditable insurance did not apply to Med Sups. I pointed out that it applied to every GI protection in the book.