Would You Write Today's Options MAPD on your 92 Yr Old Grandmother?

Mar 24, 2008

  1. insureitnow
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    insureitnow Super Genius

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    I hope so.....I did:err:
     
  2. sman
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    sman Guru

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    As long as her doctors accept it, I see no problem with it.
     
    sman, Mar 24, 2008
    #2
  3. MedSuppPro
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    MedSuppPro Guru

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    Age should never be a barrier.



    Three years ago I wrote my 92 yr old male client and his 91 yr old wife an MAPD and they love it. A lot of service calls. That’s OK he’s one of my favorites!
     
  4. LukeBurton
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    LukeBurton New Member

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    It all depends on how bad I needed 400 bucks!
     
  5. insureitnow
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    insureitnow Super Genius

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    It was $355 and most of that got ate up in appointment fee and non res license. Thats all good though. Grandma couldn't afford the $700 a month Anthem was charging.
     
  6. policy doctor
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    It was $355 and most of that got ate up in appointment fee and non res license. Thats all good though. Grandma couldn't afford the $700 a month Anthem was charging


    Good Grief! $700/mo. That is excessive....most med supps run about a third of that premium depending on what state she is in. go to Medicare.gov - The Official U.S. Government Site for People with Medicare and check it out, if you haven't already. Hit tab for medicare plans.
     
  7. insureitnow
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    insureitnow Super Genius

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    OK, Maybe some wise MA specialists can help me out with this.
    Yes, I wrote my 92 year old Grandma Todays Options MAPD on or around 3/27/08 with a 4/1/08 effective date. Verification call was completed, looked like smooth sailing. Last week I find out Pyramid canceled grandma's policy (we only found out when we called looking for ID cards on 4/28) I called Universal American Broker help line. They said reason was the CMS said not eligible because other coverage in force. Now, I know, she knows, everyone knows, you can't have 2 plans in force so Grandma didn't pay 4/08 premium to Anthem.
    Should I have had her cancel Anthem on 4/1/08 rather then lapse it?
    Universal says get letter of no coverage from Anthem and they will see about about reinstating. We called Anthem, they said a fax takes 5 days. (I guess there fax doesn't work like mine does.)

    Is this common? What should I have done? Think Today's Options will reinstate?
     
  8. GreenSky
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    GreenSky Guru

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    Your grandmother must have another MA plan that was placed in force after 1/1/08. CMS has no way of knowing if she has a Med Supp and/or if she cancelled it.

    I suggest you do a search for her plan on Medicare.gov. If you don't know how to do it, call me.

    Rick
     
  9. theinuranceguy
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    theinuranceguy Guru

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    Ya that doesnt make sense? It has nothing to do with her med supp... Only way it wouldnt go through is if she made some kind of change after the first and then tried to change again... keep us up to date, this ones a doozey!
     
  10. insureitnow
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    insureitnow Super Genius

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    Doesn't make sense to me either. She has had the same Anthem BX plan for years and hasn't changed anything as far as I know. I'm going to start making some calls today. The first will be to Rick. I have too...Grandma is PO'd. My left ear is still red and hurts from her twisting on it. She said I better get this straightened out soon or "there's going to be an ass whippin"
     
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