Medicare A + B + Group

Discussion in 'Senior Insurance Forum' started by somarco, Sep 27, 2012.

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  1. senior-advisor-indiana
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    senior-advisor-indiana Well-Known Member

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    Rick is also an expert in that field. I'll let you know what his response is when he wakes up from his nap. He says he is flying a plane but we all know he doesn't have the energy level for that.
     
  2. GreenSky
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    GreenSky Well-Known Member

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    I've blocked every person on the forum. It's called a "global block."

    Rick
     
  3. somarco
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    somarco Well-Known Member

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    Well, young guys have that problem too.


    It's called a "global block."

    Is that like a mental block?
     
  4. BeeSelective
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    BeeSelective Well-Known Member

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    there are only 57 total states, according to one well known fella:D
     
  5. retread
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    retread Well-Known Member

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    He qualifies for an SEP if he loses group insurance, which will allow him to enroll in a MA plan or PDP. He has lost his OE for Med Sup, but if he has creditable healthcare coverage, in most cases he will not have pre-existing exclusion limitations. The priority is that he has to get Rx coverage within 63 days of loss of drug coverage to avoid Pt D LEP (assuming his group had creditable drug coverage, too). If he gets a Med Supp, he will still need a PDP.
     
  6. floridagirl
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    floridagirl Well-Known Member

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    Can't he go to UHC med supp and not have to qualify since he has had creditable coverage and coming off group?
     
  7. retread
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    retread Well-Known Member

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    That is what I said. My point is that he needs to also look at his drug coverage. The timeline is 63 days for drug coverage. I don't know what timeline UHC has for enrollment with loss of health coverage, but I think it is two months.... don't ask me why it is not 63 days as well, I'm not a government bureaucrat. But I did stay at a Holiday Inn Express last week.

    Point: there is a distinction between rules for creditable healthcare coverage and creditable prescription drug coverage in Medicare. Look up HIPAA rules for under 65 and you will find more differences. The beat goes on......
     
    Last edited: Sep 30, 2012
  8. floridagirl
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    floridagirl Well-Known Member

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    Ok retread, I see where you did say that but after sitting in meeting with UHC, last Wednesday I know he doesn't have to qualify with them. That was my point.
     
  9. Guest
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    I believe if you read the guidelines for coming off a group policy they only have 63 days not 6 months
     
  10. senior-advisor-indiana
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    senior-advisor-indiana Well-Known Member

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    Thanks for clearing that up......
     

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