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Theoretically speaking he can have all kinds of other insurance as noted in the CMS reference guide in my other posts. But, a group plan and a medigap plan cannot be in force at the same time because both work in conjuction with Medicare not with each other.
How does group and Medigap pay together if a person has their A and B? They don't.
The specific authority on this is buried in the vast amount of material avilable through CMS and the Insurance Code.
You haven't told me his age or when his part B started.
I hate to be rude, but are you just making this up as you go along?
He can have a Medigap policy, Medicare, and a group policy. Depending on the size of the group Medicare would pay primary, the gap would fill it in, and he could use his group plan for RX, other doctors, or any of the gaps after the Medigap policy depending on which one he went with.
You don't know what you're talking about and you have no business advising others when you don't understand how this works in the first place.
Wasn't it you that said it's been a few years since you've done Medicare? I'd be careful what you say and who you're saying it to. I'm not getting into a hissing match over this one. Waste of time.
You are correct!
The individual can have a Med Supp and retain their group health plan. Prior to Part D I sold a lot of Med Supp Plans to people who had group plans. They kept their group plans for the drug benefit. For all other medical expenses they used Medicare and their Med Supp.
In general there would be no reason for them to use their group plan for medical expenses because Medicare and their Med Supp is going to pay all qualified medical expenses. The coverage is almost always superior to a group plan.
I don't see that the group plan is under any obligation to refund any premiums unless they were notified in writing and continued to collect premiums after the cancellation date.
As one of the previous posters stated, see if advancing the effective date of the Med Supp will help him out.
learn something new every day.... isn't that the old saying?
i had no idea. Got a question though, why WOULD a person go with their group coverage and then get a medigap? I understand the group coverage pays prescriptions, but can't they get that through Part D for less? What instances did you sell a medigap to a client who then kept their group?
learn something new every day.... isn't that the old saying?
i had no idea. Got a question though, why WOULD a person go with their group coverage and then get a medigap? I understand the group coverage pays prescriptions, but can't they get that through Part D for less? What instances did you sell a medigap to a client who then kept their group?
What instances did you sell a medigap to a client who then kept their group?