Had Piedmont-Wellstar MA for 2014 and 15. P-W will be discontinued as of 12/31
She contacted me about a month ago for help transitioning to Medicare + Medigap. Diagnosed with cancer about a month earlier, wants to keep her docs and minimize her OOP.
Until this year I have avoided GI business like the plague but have written maybe half a dozen this year and will probably live to regret most of them. This one in particular.
Among other things I requested was her termination letter from P-W. At first she said she didn't get one then a week later she said she found it.
Didn't submit the app until she came up with everything.
I glanced through the letter, and found some of the wording odd, but was at the tail end of AEP and trying to wrap up everything.
Now the carrier is refusing the letter due to wording that says "Medicare has confirmed your disenrollment ................"
They say SHE disenrolled voluntarily which I admit certainly seems to be backed up by the phrase above.
The letter from P-W is dated 11/5/15 which post-dates the notice from P-W to their policyholders announcing the discontinuance from the plan.
The woman did mention working with someone else before she contacted me but said she was not happy with the advice she was getting.
I wonder if she was enrolled in Part D prior to 11/5 which triggered her disenrollment and killed off her GI rights?
Of course since all this surfaced she is out of the country and won't be back until the end of the year so I can't have any communication with her.
She can't pass underwriting. It seems to me her options (unless the carrier can and will grant her a GI policy) are original Medicare or enroll in another MA plan.
But is it too late to enroll in another MA plan for 2016?
She contacted me about a month ago for help transitioning to Medicare + Medigap. Diagnosed with cancer about a month earlier, wants to keep her docs and minimize her OOP.
Until this year I have avoided GI business like the plague but have written maybe half a dozen this year and will probably live to regret most of them. This one in particular.
Among other things I requested was her termination letter from P-W. At first she said she didn't get one then a week later she said she found it.
Didn't submit the app until she came up with everything.
I glanced through the letter, and found some of the wording odd, but was at the tail end of AEP and trying to wrap up everything.
Now the carrier is refusing the letter due to wording that says "Medicare has confirmed your disenrollment ................"
They say SHE disenrolled voluntarily which I admit certainly seems to be backed up by the phrase above.
The letter from P-W is dated 11/5/15 which post-dates the notice from P-W to their policyholders announcing the discontinuance from the plan.
The woman did mention working with someone else before she contacted me but said she was not happy with the advice she was getting.
I wonder if she was enrolled in Part D prior to 11/5 which triggered her disenrollment and killed off her GI rights?
Of course since all this surfaced she is out of the country and won't be back until the end of the year so I can't have any communication with her.
She can't pass underwriting. It seems to me her options (unless the carrier can and will grant her a GI policy) are original Medicare or enroll in another MA plan.
But is it too late to enroll in another MA plan for 2016?