What say ye about this idea...
A lady called me. She is a friend of a long time client, 58, has MS, on Medicare alone, wants a Supplement. She has a PDP.
Option 1. Blue Cross GI plan C @ $303/mo for 11 months then pull her off and find the cheapest underage Plan C and use the Missouri GI law to move her. She'd be stuck in a plan C until her open season when she turns 65. Cost of this would be $3300+ just to get her to a GI plan C from a cheaper company.
Option 2. Have her enroll in a MAPD plan during the OEP. I have two companies that will take anyone off a MA plan and give them any Supplement they want. She's warming up to the idea. She worried about the possible hospital deductible, but I explained the other option would surely cost her $3300 or more wheather she was hospitalized or not. This way maybe she's in the MA for 30-60 days... we excercise the OEP option to exit the plan, return to Medicare, and sign her up for a GI supplement with one of my carriers.
Pros?? Cons??
A lady called me. She is a friend of a long time client, 58, has MS, on Medicare alone, wants a Supplement. She has a PDP.
Option 1. Blue Cross GI plan C @ $303/mo for 11 months then pull her off and find the cheapest underage Plan C and use the Missouri GI law to move her. She'd be stuck in a plan C until her open season when she turns 65. Cost of this would be $3300+ just to get her to a GI plan C from a cheaper company.
Option 2. Have her enroll in a MAPD plan during the OEP. I have two companies that will take anyone off a MA plan and give them any Supplement they want. She's warming up to the idea. She worried about the possible hospital deductible, but I explained the other option would surely cost her $3300 or more wheather she was hospitalized or not. This way maybe she's in the MA for 30-60 days... we excercise the OEP option to exit the plan, return to Medicare, and sign her up for a GI supplement with one of my carriers.
Pros?? Cons??