- 1,745
A lead card contact I called is interested in discussing Medicare options for turning 65, June '48 DOB. Has had Medicare A/B due to SSDI for over 10 years, and PDP only, no MAPD..she looked at her card to confirm..., with a carrier that offers PDP only in her zip code, no MA.
After our call, it occurred to me that, A. the person might have ESRD, therefore no MAPD, or B. lives under a rock, and no one has offered MAPD. lol.... is there another possibility?
I have not had anyone on SSDI turn 65 yet. I just checked the producer handbook for UHC AARP. Says turning 65 *OR* newly enrolled for Medicare B.
That sounds like GI for SSDI recip. turning 65. Except the MedSupp that would be affordable would be high deductible F, N/A thru AARP.
On to the next manual, I do have a well priced/stable premium carrier for HD F.
Anyone have experience with this? I have sent an SOA, and will set appointment to review. She brought up that she has bills from a hospitalization, trying to work out payment options with hospital. Doesn't sound at all like dual eligible, but is low income. Will explore LIS.
Even the MAPD HMO's have $3,000+ OOP's, unless the person is extreme low income, they face bills. That's why I am considering High deductible F, lower max. OOP/premium competes with MAPD PPO's with much higher max. OOP's.
After our call, it occurred to me that, A. the person might have ESRD, therefore no MAPD, or B. lives under a rock, and no one has offered MAPD. lol.... is there another possibility?
I have not had anyone on SSDI turn 65 yet. I just checked the producer handbook for UHC AARP. Says turning 65 *OR* newly enrolled for Medicare B.
That sounds like GI for SSDI recip. turning 65. Except the MedSupp that would be affordable would be high deductible F, N/A thru AARP.
On to the next manual, I do have a well priced/stable premium carrier for HD F.
Anyone have experience with this? I have sent an SOA, and will set appointment to review. She brought up that she has bills from a hospitalization, trying to work out payment options with hospital. Doesn't sound at all like dual eligible, but is low income. Will explore LIS.
Even the MAPD HMO's have $3,000+ OOP's, unless the person is extreme low income, they face bills. That's why I am considering High deductible F, lower max. OOP/premium competes with MAPD PPO's with much higher max. OOP's.
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