Med Supps and Pre Existing Conditions

[Itworks]

I think you will find that in most cases it is going to be advantageous for a person to have a Med Supp as opposed to staying on a group health plan especially if the group plan is through a spouse.

I have found that group health plans can be more expensive in some instances plus there are typically co-pays and deductibles as well as a network of doctors and hospitals.

It is definitely worth doing some fact finding as opposed to just making the assumption that they are going to be better off staying with a group plan. Do you know that the group plan will be primary coverage and the Med Supp will be secondary coverage?

If Medicare is secondary, Medicare very seldom pays anything toward the claim. The senior can still experience substantial out of pocket expenses.

Great info, but right now all I am doing is trying to figure out the basics and wanted to know instances where open enrollment occurs which is when turning 65 and when coming off grp insurance.... I just want to educate myself and have an understanding of when you can or cant do something...

In reference to your comment, my dad is not better off at this point for going off their insurance. They are spending way more on prescriptions than they did before and with the supplement increases this adds as well.