Medicaid Ending Question

[LostDollar]

Caveat, I am NOT an agent.

I just stumbled upon this:

[EXTERNAL LINK] - ESRD Medicare for people also eligible due to age or disability - Medicare Interactive

which suggests there are actually two Medicares for people with ESRD.

If client only has one of them, would that mean they could enroll in the other one, obtaining a second Part B start date, and then use that second start date as the basis for a new Medigap open enrollment period?

 

[mickeyma]

Quoted from the original post for clarification . . .

States and carriers are allowed to offer more liberal options than standard CMS requirements, but cannot be more restrictive.

Client has GI for Medicare but not for Medicare Supplement plans from private insurance companies. He does have GI for Med Advantage plans. I was shocked to discover this.

 

[rmhaire]

Caveat, I am NOT an agent.

I just stumbled upon this:

[EXTERNAL LINK] - ESRD Medicare for people also eligible due to age or disability - Medicare Interactive

which suggests there are actually two Medicares for people with ESRD.

If client only has one of them, would that mean they could enroll in the other one, obtaining a second Part B start date, and then use that second start date as the basis for a new Medigap open enrollment period?

Only one medicare. The article you're referring to is not the best I've seen. They should have worded it better.

You can get medicare if you're U65 and disabled or have ESRD. No company is required to sell you a supplement.

Once a disabled person or one with ESRD turns 65, the disability factor automatically goes away. Same is true for SS. It's automatic. Then it's GI for a supplement not counting their IEP.

 

[somarco]

Client has GI for Medicare but not for Medicare Supplement plans from private insurance companies. He does have GI for Med Advantage plans. I was shocked to discover this.

When is original Medicare EVER underwritten?

And how can an insurance company impose restrictions on original Medicare?

What are you smoking?

 

[rmhaire]

Client has GI for Medicare but not for Medicare Supplement plans from private insurance companies. He does have GI for Med Advantage plans. I was shocked to discover this.

If your client is U65 and GI then it's a no go on a supplement.

If he's 65 or older and GI then they have to offer him a supplement.

MA plans can be sold by insurance companies, employer groups and associations.

Supplements are only sold by private insurance companies

 

[somarco]

Plan G is available when exercising your Trial Right IF you had plan G before enrolling in a MAPD. If you had plan F some carriers will not allow to enroll in a G

 

[LostDollar]

Only one medicare. The article you're referring to is not the best I've seen. They should have worded it better.

You can get medicare if you're U65 and disabled or have ESRD. No company is required to sell you a supplement.

Once a disabled person or one with ESRD turns 65, the disability factor automatically goes away. Same is true for SS. It's automatic. Then it's GI for a supplement not counting their IEP.

I thought for awhile about posting, finally decided it would be better to look stupid for being wrong than having something that might be helpful be missed.

Thank you for the comments.

 

[rmhaire]

I thought for awhile about posting, finally decided it would be better to look stupid for being wrong than having something that might be helpful be missed.

Thank you for the comments.

On the contrary. I find your posts meaningful and educational. Keep them up.

I've told others on here that old Buzzard Boy knows more about medicare than some of the agents trying to sell it.

 

[mickeyma]

When is original Medicare EVER underwritten?

And how can an insurance company impose restrictions on original Medicare?

What are you smoking?

You misunderstood. I'm not saying the insurance company imposed restrictions on original Medicare. The company imposed restrictions on Medicare Supplement which is a non-government plan from a private insurance company.

 

[rmhaire]

You misunderstood. I'm not saying the insurance company imposed restrictions on original Medicare. The company imposed restrictions on Medicare Supplement which is a non-government plan from a private insurance company.

And I'm still misunderstooding you.

You said in your earlier post that your client was GI with Medicare and GI with MA but not GI with a supplement.

That's not how it works. If he's GI with Medicare he's automatically GI with both of the other two. It's Medicare's call and not an insurance company.

Also, what kind of restriction can an insurance company put on a medicare supplement? It's their plan.