MedSupp Trial rights apply to aging in at 65 corporate retiree custom MAPD ?

[yorkriver1]

Don't want to assume one way or the other. The person has to decide almost 2 months ahead of the birth month on the one time offer of corporate retiree Medicare Advantage coverage.
In other words, if they decide to enroll in the retiree program and regret it, do they have the 12 months for GI MedSupp after T65?
GI is not my business plan, a referral from a prolifically generous referral source.
Plus if done in the first 6 months, GI with the MedSupp/new to Part B.

 

[sbg_ben]

Don't want to assume one way or the other. The person has to decide almost 2 months ahead of the birth month on the one time offer of corporate retiree Medicare Advantage coverage.
In other words, if they decide to enroll in the retiree program and regret it, do they have the 12 months for GI MedSupp after T65?
GI is not my business plan, a referral from a prolifically generous referral source.
Plus if done in the first 6 months, GI with the MedSupp/new to Part B.

I have been sucessful in using the trial right for advantage plans even when they are through an employer group retiree medicare advantage plan. My understanding is that the medicare advantage trial right will be valid in your situation. I will let some other people weigh in as well though.

 

[kak6407]

It doesn't matter if it's employer or individual mapd plan...trial right still exists. This would only work if his A and B are the same date. I.e if he enrolled in A only at 65 then enroll in B at say 67 then went straight on the Advantage plan he would not have a trial right. If he is T65 and starting A and B and enrolls in employer MAPD plan then he can use the trial right.

 

[yorkriver1]

It doesn't matter if it's employer or individual mapd plan...trial right still exists. This would only work if his A and B are the same date. I.e if he enrolled in A only at 65 then enroll in B at say 67 then went straight on the Advantage plan he would not have a trial right. If he is T65 and starting A and B and enrolls in employer MAPD plan then he can use the trial right.

Correct in the A/B start, p. 23, Choosing a Medigap policy, searchable for link to the pdf, for those needing clarification of not only this situation but also others for GI. My early days in Medicare plan sales got very lucky, as I searched diligently for someone/anyone in an upline who could find the wording for the trial rights for someone new to Medicare who thought they only wanted an MAPD until a diagnosis of a lingering illness, then they could afford it. Quarterly MRI's, e.g. Finally someone on the forum guided me to the Choosing a Medigap booklet, which may not much longer get sent to brokers requesting paper plan sales material for MedSupps.
No perfect answer to future rate increases on various MedSupp carriers.

 

[yorkriver1]

Osteoporosis and MedSupp underwriting, anyone, thoughts?
If the person wants to drop their employer sponsored MAPD with rich benefits, $900 MOOP, etc, after the year for trial rights, would this be a hard no to go medsupp?

 

[goillini52]

Osteoporosis and MedSupp underwriting, anyone, thoughts?

If they've had fractures, forget it.

 

[DonP]

Osteoporosis and MedSupp underwriting, anyone, thoughts?
If the person wants to drop their employer sponsored MAPD with rich benefits, $900 MOOP, etc, after the year for trial rights, would this be a hard no to go medsupp?

The $900 mapd moop you're speaking of is At&t retiree . It's a hell of a plan . As I recall it's about $90 a month