Kidney Stage 3
- Thread starter vic120
- Start date
- 514
I am not aware of any Med Supp company that will take someone with Stage 3 kidney disease.
- Thread starter
- #4
- 2,115
Millwood said:
Probably only company might be a Blue Cross. HCS family of Blue Crosses wiil take thru stage 4. Not sure what Blue you have.
Taken from a FB Medicare group:
BCBS in NC has their "Blue to Blue - Freedom to Choose" provision (likely in other states too, but not all), where their customers may move from any med sup to any other med supp (up/down....HDG included) during the May 1st-May 30th window each year, guaranteed issue.
The January window is simply MAPD OEP; so if they have a BCBS MAPD plan, they can move to a BCBS Med Supp of their choice during the Jan 1st-March 31st OEP window, guaranteed issue.
This is a strong provision. For someone that is healthy, start them with a $0/month MAPD, knowing that if needed, they can always move to a Med Supp during OEP, guaranteed issue. If they want to start with an HDG out of the gate (it's competitive at $38/month), they can move to a G during the May window each year.
Probably only company might be a Blue Cross. HCS family of Blue Crosses wiil take thru stage 4. Not sure what Blue you have.
Taken from a FB Medicare group:
BCBS in NC has their "Blue to Blue - Freedom to Choose" provision (likely in other states too, but not all), where their customers may move from any med sup to any other med supp (up/down....HDG included) during the May 1st-May 30th window each year, guaranteed issue.
The January window is simply MAPD OEP; so if they have a BCBS MAPD plan, they can move to a BCBS Med Supp of their choice during the Jan 1st-March 31st OEP window, guaranteed issue.
This is a strong provision. For someone that is healthy, start them with a $0/month MAPD, knowing that if needed, they can always move to a Med Supp during OEP, guaranteed issue. If they want to start with an HDG out of the gate (it's competitive at $38/month), they can move to a G during the May window each year.
- Thread starter
- #6
I wonder if NC Blue contracts with Agents I dont have them listed with any of m y FMO's
- Thread starter
- #8
Why? Is it because of Covid
I am asking because something happened with my mo0ther in law she moved in with me and my wife just before covid, went to the doc about 3 months ago and saw on chart stage 3 kidney disease
She asked the doctor about it and was told she was diagnosed 4 years ago in FL
She had no idea about it though
Since then has slipped to stage 5 in the last few weeks and she was thinking about going to NY for treatment
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