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In California, you are guaranteed the right to buy plans A, B, C, F (HD F), K, L, M or N.
You forgot Plan J.
Rick
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In California, you are guaranteed the right to buy plans A, B, C, F (HD F), K, L, M or N.
You forgot Plan J.
Rick
In order to sell Plan J, you would need to back date the app to 5.01.10
He absolutely should have taken part B when t65, his EGHP is secondary, when he retired he is GI for A, B, C, F, K, or L. Underwritten for N or G. His other option would have been to decline the employers coverage and taken the sup of his choice, some employers will pay for it since it is cheaper than their portion of the EGHP and possibly lower the average age of the group plan.
Younger spouse definitely a factor and a key screening question for T65 callers. Mine, in about this order, are: 1) are you or your spouse still working? 2) do you have an employer group health plan through that job? 3) does the employer have 20 or more employees? 4) do you have a younger spouse or other dependent covered by your employer plan? 5) is your plan an HSA? 6) are you receiving Social Security benefits?True, except ....... His (dependent) spouse is 2 yrs younger. Had he dropped group health to go on Mcare his wife would have to choose COBRA, Obamacare or go without coverage for a couple of years.
It's unfortunate--but not surprising--how many of those I've advised to wait have already been pitched hard on Medicare products by other agents.
Younger spouse definitely a factor and a key screening question for T65 callers. Mine, in about this order, are: 1) are you or your spouse still working? 2) do you have an employer group health plan through that job? 3) does the employer have 20 or more employees? 4) do you have a younger spouse or other dependent covered by your employer plan? 5) is your plan an HSA? 6) are you receiving Social Security benefits?
From these answers I can tell them whether to take it all--Parts A and B plus med supp/D or MAPD, or Part A and B but keep EGHP, or Part A only, or no part of Medicare yet, and whether or not they need to sign the back of an already received Medicare card and return it. If they're any except the first I tell them not to let anyone like me sell them anything, get them on my newsletter mailing list, and write them when they retire, or in some cases when the younger spouse turns 65 even if they're still working. It's unfortunate--but not surprising--how many of those I've advised to wait have already been pitched hard on Medicare products by other agents.