MedSupp carriers that don't play well with GI

[tcianflone]

FYI, several carriers (all??) will not offer G to someone who was eligible for Medicare prior to 2020 (when F was pulled).

It has been a few years, but I think I got Anthem to offer plan N on a GI basis. That was when Anthem was paying full comp on GI.

They stopped paying full comp on GI last

United American will also allow GI into Plan G or Plan N-which is great.

From the selling perspective, yes, that's great. But being in Plan N with UA myself, I'm not so happy they are admitting a bunch of GI business into the risk pool. Just sayin'...

 

[Special Agent]

United American will also allow GI into Plan G or Plan N-which is great.

is it true that UA is currently not requiring underwriting for HI ded G/F in some states?

 

[somarco]

Fortunately for me, UA is not competitive in GA for any plan other than the HD . . . which is something that is almost always rejected because the deductible is so high.

But they will buy a MA plan with a $6k+ OOP, networks, PA, et al and won't blink an eye.

Go figure . . .

 

[annon123]

FYI, several carriers (all??) will not offer G to someone who was eligible for Medicare prior to 2020 (when F was pulled).

It has been a few years, but I think I got Anthem to offer plan N on a GI basis. That was when Anthem was paying full comp on GI.

They stopped paying full comp on GI last year.

Out of curiosity I called UHC and asked them (as I haven't actually had to do this for anyone yet) exactly that I thought I had read newer information that they could switch to G, although older information said they could not. They said (at least in my state) those signed up for medicare prior to 2020 could switch to G, presuming they pass medical underwriting or are GI.

 

[Fisher]

those signed up for medicare prior to 2020 could switch to G, presuming they pass medical underwriting or are GI.

That makes zero sense. Both situations cover all possible declinable reasons.

 

[annon123]

That makes zero sense. Both situations cover all possible declinable reasons.

I am just telling you what UHC told me when I asked them. I was replying to someone else who knew that many companies would not let those who signed up prior to 2020 switch to G even if they were GI or passed underwriting and was thinking maybe all of them were like that.

 

[Fisher]

I am just telling you what UHC told me when I asked them. I was replying to someone else who knew that many companies would not let those who signed up prior to 2020 switch to G even if they were GI or passed underwriting and was thinking maybe all of them were like that.

Anyone can switch to or enroll in any plan offered if they can be underwritten. MACRA does not supersede that, hence my earlier comment. Of course a rep at UHC is going to supply that truthful answer.

 

[annon123]

MACRA

If that is the case then what somarco knows to be true in the state(s) he writes in (eg there are some carriers that won't let people who signed up for medicare prior to 2020 switch to G if they were in something else) contradicts what you know. Maybe these are state differences?

I thought MACRA supplement rules only applies people who started medicare after on or after 1/1/20. As a result there can be different "rules" for people if someone started medicare before or after then. And I didn't think it directly affected Medigap per say other than ending new enrollment in C and F for those eligible starting in 2020. But then again I don't know all the finer details of that law. When I had to teach an overview about some of the legal issues in health care administration that law was mentioned but not in detail as I was only teaching an intro version of the legal side of this in a broader course.

 

[rmhaire]

If that is the case then what somarco knows to be true in the state(s) he writes in (eg there are some carriers that won't let people who signed up for medicare prior to 2020 switch to G if they were in something else) contradicts what you know. Maybe these are state differences?

I thought MACRA supplement rules only applies people who started medicare after on or after 1/1/20. As a result there can be different "rules" for people if someone started medicare before or after then. And I didn't think it directly affected Medigap per say other than ending new enrollment in C and F for those eligible starting in 2020. But then again I don't know all the finer details of that law. When I had to teach an overview about some of the legal issues in health care administration that law was mentioned but not in detail as I was only teaching an intro version of the legal side of this in a broader course.

Fisher is not contradicting Somarco. He's pointing out that an underwritten case overrides GI and GI rights do not apply.

And since we're talking about different plans and GI, don't forget that GI rights do not cover plan N.

EDIT: And always fact check a UHC rep.

 

[annon123]

Fisher is not contradicting Somarco. He's pointing out that an underwritten case overrides GI and GI rights do not apply.

And since we're talking about different plans and GI, don't forget that GI rights do not cover plan N.

EDIT: And always fact check a UHC rep.

Thank you for the info.