What other states offer guaranteed issue coverage year-round besides CT? I'm not talking about the restricted situations in which a consumer can get GI coverage, such as if his or her Medicare advantage plan leaves Medicare or the area. I'm talking about GI across the board, regardless of the situation.
Med Supp Guaranteed-Issue States
- Thread starter bgill9999
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- 15,319
Michigan BCBS, rates are pretty high,
- 1,432
LOL. More like $200 for a well-priced plan G. Plus the PDP commission. The lowest monthly premiums for G are about $210.
But I sell MAPD over 80% of the time.
I feel comfortable recommending MAPD for my clients. Since CT is GI for supplement, they can switch during AEP if their health declines. The OOP max limits their cost share if they have a hospital stay before they can switch.
I can usually find all their doctors in the network of one of the $0 monthly premium plans.
Connecticut is also community rated. A 90-year-old who has had the same plan for 25 years pays the same rate as a 65-year old.
- 15,319
I don't know where I can get $200 for a GI supplement. Although I think AARP might pay 50% of the normal commission.
Rick
- 1,432
It is closer to $200 in Connecticut. It is all GI and community rated here.
- 15,319
Most states are not like that. Although I know Oregon also requires full commission on GI.
Rick
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