Would You Ever Recommend G Over F Select?

[finalexpenseguru]

slightly off topic but does anyone know if the select F can be sold as a guaranteed issue if the person is eligible (I.E. coming off group plan) or does it have to be the standard F plan?

 

[Justin Bilyj]

The guaranteed issue rights in this section are from Federal law. These rights are for both Medigap and Medicare SELECT policies. Many states provide additional Medigap rights

https://www.medicare.gov/supplement-other-insurance/when-can-i-buy-medigap/guaranteed-issue-rights-scenarios.html

 

[yogooglethis]

100% on this

Funny Spoke to someone last week, He was distraught. He had an F Select that was over priced with BC. And was just informed that his hospital he has been going through his cancer treatments with will no longer be part of the select network.

Only He has Cancer and can't change

BCBS and AARP/UHC will allow current members to switch plans up or down and also I believe from select to standard w/o underwriting and still retain entry age band

Before replacing an AARP/UHC or BCBS policy to a different plan with a different carrier it's best practice to have policy holder call customer service to see if they are not better off just switching plans within the same company- especially if they are interested in plan N

 

[vic120]

BCBS and AARP/UHC will allow current members to switch plans up or down and also I believe from select to standard w/o underwriting and still retain entry age band

Before replacing an AARP/UHC or BCBS policy to a different plan with a different carrier it's best practice to have policy holder call customer service to see if they are not better off just switching plans within the same company- especially if they are interested in plan N

AARP yes always, not sure if BC allows that in every state. I am sue they do in ill & fl, I think not in some other states. I could be wrong though

 

[somarco]

not sure if BC allows that in every state. I am sue they do in ill & fl, I think not in some other states.

Not in Georgia.

 

[vic120]

Not in Georgia.

I would think it is only ILL and FL they allow that. they are a different entity in different states

 

[somarco]

Isn't Il and HCSC state? If so, it's possible they allow movement in some of the other HCSC states.

Or not ........

 

[vic120]

Isn't Il and HCSC state? If so, it's possible they allow movement in some of the other HCSC states.

Or not ........

Yes in ILL the hsbc is GI so it doesn't matter. I meant outside ILL & FL