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Medicare Supplemental Insurance
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Medicare & Insurance
Medicare Supplemental Insurance
Share Medicare dos and don’ts, including eligibility and supplemental insurance.
The enrollment period is now over and I am still learning!! I found that Mutual Of Omaha has a supplemental plan that is #30.00 less per month and Next November will be $40.00 less!!!  
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Cat:91a4afbf-9555-4e02-b9d3-9eef604476f6Forum:c79f53c3-fa71-4e76-b517-aef042efd7ff
Cat:91a4afbf-9555-4e02-b9d3-9eef604476f6Forum:c79f53c3-fa71-4e76-b517-aef042efd7ffDiscussion:a47e83bd-7b91-4996-b4da-ca01a07ac74a
Forums » Health » Medicare & Insurance » Medicare Supplemental Insurance
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Re: Medicare Supplemental Insurance
posted at October 14, 2012 11:21 AM EDT
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Posts: 1923
First: November 27, 2011 Last: May 18, 2013 |
In Response to Re: Medicare Supplemental Insurance: I am 55 and permanently disabled. I have been on Medicare A and B since 2004. I recently lost my Blue Cross Blue Shield of Florida individual coverage which was paid by the state of Florida due to cutbacks by Gov. Rick Scott. I have no interest in Medicare Advantage as it will cost me more money than I pay now under regular Medicare and have seen others who chose this coverage get nickled and dimed to death with overage payments and uncovered services. I called AARP Health Insurance to inquire about buying a Medigap policy. I was told that because I have a pre-existing condition I was not eligible to buy Medigap insurance! Will this discrimination against the disabled end in 2014 when the Affordable Care Act goes into full effect? Posted by amcv1438 Medigap insurance is different than regular health insurance because it is tied to your Medicare benefits. However you have actually (2) problems: 1. Federal law doesn't require insurance companies to sell Medigap policies to people under 65. If you're under 65, you might not be able to buy the Medigap policy you want, or any Medigap policy, until you turn 65. However, some states require Medigap insurance companies to sell you a Medigap policy, even if you're under 65. 2. During open enrollment, Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the Medigap policy. However, if you apply during your Medigap open enrollment period, you can buy any Medigap policy the company sells, even if you have health problems, for the same price as people with good health. The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you're 65 and enrolled in Medicare Part B, and once it's over, you can't get it again. So you have to wait until you are 65 in order to get yourself a Medigap Policy and by that time, I believe they are going to be more expensive than they are now depending upon the policy Here's your link to the Medicare page on the subject: |
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Re: Medicare Supplemental Insurance
posted at October 27, 2012 2:06 AM EDT
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Posts: 6
First: October 27, 2012 Last: December 5, 2012 |
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Forums » Health » Medicare & Insurance » Medicare Supplemental Insurance
