I didn't quite understand all the Medicare issues when we signed my husband up a little over a year ago. Now he needs surgery and I'm realizing that we need a supplement. So I have a couple questions..........first. Is it too late? Will they pay for any of the surgery if we are able to get it? Is there anything that I don't know that you do.........that might help educate me? Thank you in advance!
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Is It Too Late For Supplemental Insurance?
- Thread starter Teressa
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The states of NY and CT are year round guaranteed issue and he cannot be denied Medigap coverage. Outside of those states, he will be subject to medical underwriting. Depending on the insurer, the Medigap may deny the application, accept him at a higher rate but not cover the surgery, or not impose a pre-existing condition limitation. It can depend on if the upcoming surgery is scheduled to be outpatient or inpatient and if there has been a recent inpatient hospital admission.
It is currently open enrollment season when those on Medicare can switch to Medicare Advantage plans without underwriting. They will have provider networks, copays, and coinsurance. I suggest contacting an experienced local insurance agent to discuss your options. Should you go the Advantage route, a local agent will be more familiar with how comprehensive their provider network is in your area. Good luck.
It is currently open enrollment season when those on Medicare can switch to Medicare Advantage plans without underwriting. They will have provider networks, copays, and coinsurance. I suggest contacting an experienced local insurance agent to discuss your options. Should you go the Advantage route, a local agent will be more familiar with how comprehensive their provider network is in your area. Good luck.
maac091953
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Teressa:
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