No Longer Disabled

[Superchief]

Here is a situation that still being somewhat new, I have not run into.

A prospect of mine currently has Humana PPO and wants to switch to a med supp. She claims that she attempted to switch to Humana's med supp (?) and they denied her because she was disabled at age 62 and on Medicare.

She says she is no longer disabled and very healthy, and would like to switch. I went through some underwriting questions and she seems good to me, but is there something I am missing?

 

[captain94]

If she is under 65 and on medicare she is disabled...she needs to go on a medicare disability suppliment. you can check medicares website for plans avalable in your state. or she can stay on her mapd plan.

 

[Superchief]

She is not under 65. She is 69.

 

[Todd King]

Have you tried to ask her the qualifying questions of a med supp? If she can truthfully answer them then I don't see why she can't get it. Leave it to Humana to jerk someone around!

 

[Winter_123]

Have you tried to ask her the qualifying questions of a med supp? If she can truthfully answer them then I don't see why she can't get it. Leave it to Humana to jerk someone around!

Put her in an AARP supp if the rates are decent in your state. Watch out for the pre-exist period but I think Humana has one too. The Humana thing sounds goofy. You could appeal the denial. I have a denial from a company that I have up on appeal.

 

[captain94]

I have seen this before. if she can answer the questions put her on a med-supp. Human is a joke I refuse to write there plans