- 11,280
I have never been wrong before so I am not sure how to respond. Should I say thank you or fork you?
T65 Early Enrollment Limits, Not Drawing SS Income
- Thread starter yorkriver1
- Start date
I have never been wrong before so I am not sure how to respond. Should I say thank you or fork you?
- 2,177
This has been my experience. Though a 1/1 eligible has a 10/1 start to IEP, carriers usually don't take applications for a 1/1 start until AEP begins. Too confusing for the seasonal help to know the difference, I suppose.
Not all Med Supp carriers will allow an app 6 months out. The majority of carriers I've used will only allow an app 3 months in advance.
And while you'll be able to see 2016 PDP plans on 10/1, getting a carrier to allow a person to enroll for the 2016 plan on 10/1, May be a challenge. I can just see them screwing it up. If it were me, I'd tell the client to wait until 10/15 or after to do both apps.
As for enrolling in Medicare A & B, there's no need to make an appointment with SS. You can submit an application online in about 5 minutes.
- 172
The way to get him signed up on 10-1-15 for 1-1-16 effective is IEP, medicare knows the difference between AEP and IEP. The carriers do too. Keep a copy of the app though.
I have never been wrong before so I am not sure how to respond. Should I say thank you or fork you?
Whichever works best for you. Just as long as you don't ask to spoon me.
- 172
Which carriers don't allow 6 month out OE for med supp?
I think we all know the difference between IEP and AEP. And in theory it should work. Unfortunately people working at carriers don't always get it right. And considering the timing of it, I'd just wait until 10/15. But that's just me.
If you get too far out you run the risk of losing them. Just because they "bought" doesn't mean they stopped looking. They are still getting calls, email (if they go online) and stuff in the mail right up to and even after the month they turn 65.
I have written some where they told me they bought last month. "Oh, well you were just on my site. Are you unsure about your choice?"
That is usually followed by "Which plan did you buy?"
"Really?"
"Are you paying more than this?"
Of course if they bought MOFO plan G then I will give them a rate for N and ask if they had considered saving another $25/mo by paying a copay.
I have written some where they told me they bought last month. "Oh, well you were just on my site. Are you unsure about your choice?"
That is usually followed by "Which plan did you buy?"
"Really?"
"Are you paying more than this?"
Of course if they bought MOFO plan G then I will give them a rate for N and ask if they had considered saving another $25/mo by paying a copay.
Pretty sure New Era will only go 90 days (at least it was that way at one time), the AARP branded Med Supp will only go 90 days and the same with BCBS.
MoO will go 6 months. I don't recall what CLI was, but I never tried to write one 6 months out.
That's all I can think of right now off the top of my head.
- 11,280
Well done.........
