Came across a lady T65 this month (September). She got suckered into a Bankers Life/Colonial Penn Medsupp, put on a Humana PDP, and pressured into a LTC policy.
Her only income is her SS check, and the total premium is taking up 25% of it.
I want to switch her to an MAPD.
Am I right in thinking that because the PDP has already started I have to wait until AEP and have a start date of January 1, 2021 to save this lady?
Or can I still use an IEP/ICEP and change her now to have a start date of October 1?
Her only income is her SS check, and the total premium is taking up 25% of it.
I want to switch her to an MAPD.
Am I right in thinking that because the PDP has already started I have to wait until AEP and have a start date of January 1, 2021 to save this lady?
Or can I still use an IEP/ICEP and change her now to have a start date of October 1?