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I have a prospect who is currently has a Medicare Supplement Plan (F) which is paid for by his wife's employer. The wife is retiring next month and the employer will no longer be paying for this. I want to move him to Plan G with Aetna.
He is anticipating a shoulder surgery in a few months so I think that would be a decline on the question which asks, "Have you been advised to get surgery in the next 12 months." So I would prefer for him to be able to avoid underwriting.
Obviously if he was losing group coverage it would be Guaranteed Issue, but would it still be GI if he is losing his employer paid for Med Supp Coverage?
I called Aetna and spoke to someone who was unsure of himself who stated that, "If your prospect has a GROUP Medicare Supplement Plan and is losing that, he would be Guaranteed Issue, but if it is an individual Med Supp policy that the employer was paying for it would not be."
I've never heard of a Group Medicare Supplement Plan. Is there such a thing? Did I receive correct advice from the Aetna phone jockey? Thanks in advance.
He is anticipating a shoulder surgery in a few months so I think that would be a decline on the question which asks, "Have you been advised to get surgery in the next 12 months." So I would prefer for him to be able to avoid underwriting.
Obviously if he was losing group coverage it would be Guaranteed Issue, but would it still be GI if he is losing his employer paid for Med Supp Coverage?
I called Aetna and spoke to someone who was unsure of himself who stated that, "If your prospect has a GROUP Medicare Supplement Plan and is losing that, he would be Guaranteed Issue, but if it is an individual Med Supp policy that the employer was paying for it would not be."
I've never heard of a Group Medicare Supplement Plan. Is there such a thing? Did I receive correct advice from the Aetna phone jockey? Thanks in advance.