I had a friend of a relative call me yesterday with the following dilemma. In 2009 she had a Coventry PFFS that of course is no longer available, so she enrolled in a Humana MAPD with an effective date of 1/1/2010.
Some agent has her all screwwed up and this lady is desperate because the agent switched her, and her husband, into a med supp with CSA Faternal life. I am appointed with them but it loos like the agent quoted them premiums that are about 50% more than what they should be. This lady has no idea which plan she was quoted because the agent left no information, other than a replacement notice, with her. I figure it's probably an F.
The lady also said that she did the interview on the phone with CSA and the agent called CMS to let them know that she would be switching to a med supp with a stand alone PDP. This happened on January 8th.
I called CSA and they don't have a clue to the answers to my questions which are.
1. Since she enrolled in Humana during AEP and it was effective 1/1/2010, has she lost here GI rights that she had due to the fact she was disenrolled from Coventry?
2.Since the agent called Medicare and told them about the switch, who will notify them if the med supp doesn't go through. I would say CSA but they didn't even know.
3. I am going to her house today to try to get this mess worked out for her but she probably is not going to qualify for a med supp because she is a diabetic(non-insulin) with high b.p, cholestorol, among other things. Did she lose her GI right? I would say she did because of the Humana, but not 100% sure. The girl agent with CSA asked health questions but quoted the wrong premiums and the lady said she was there for over 4 1/2 hours. Agai, she called CSA witht he customer and called CMS according to this lady, but she is so confused.
What would you do?
Some agent has her all screwwed up and this lady is desperate because the agent switched her, and her husband, into a med supp with CSA Faternal life. I am appointed with them but it loos like the agent quoted them premiums that are about 50% more than what they should be. This lady has no idea which plan she was quoted because the agent left no information, other than a replacement notice, with her. I figure it's probably an F.
The lady also said that she did the interview on the phone with CSA and the agent called CMS to let them know that she would be switching to a med supp with a stand alone PDP. This happened on January 8th.
I called CSA and they don't have a clue to the answers to my questions which are.
1. Since she enrolled in Humana during AEP and it was effective 1/1/2010, has she lost here GI rights that she had due to the fact she was disenrolled from Coventry?
2.Since the agent called Medicare and told them about the switch, who will notify them if the med supp doesn't go through. I would say CSA but they didn't even know.
3. I am going to her house today to try to get this mess worked out for her but she probably is not going to qualify for a med supp because she is a diabetic(non-insulin) with high b.p, cholestorol, among other things. Did she lose her GI right? I would say she did because of the Humana, but not 100% sure. The girl agent with CSA asked health questions but quoted the wrong premiums and the lady said she was there for over 4 1/2 hours. Agai, she called CSA witht he customer and called CMS according to this lady, but she is so confused.
What would you do?
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