I received a call from a lady today. 66. On SSI so she is already on Medicare A & B. Also covered by husbands health insurance (small municipality) and he might be retiring. She has credible coverage through the city, and Medicare has been secondary. Will she have GI because she is losing CC? I was thinking yes, then no because she has been on MC for a year. maybe I am over thinking this and she is GI.
GI, OE, Over Thinking This....?
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Sounds like GI to me, involuntary loss of CC. I don't think OEP bc of the reason you already stated, been on part B over 6 months. I'm assuming you already tried to see if she will pass underwriting, and she couldn't..?
Think of it as Part B effective date always trumps everything, so always look at that first. If beyond 6 months, it's not OE (unless in cases where it's a disability case and someone took Part B years ago and is now T65. Then they get another OE).
She is GI though for 63 days if losing her group. Definitely want to avoid the GI route if possible and go UW on G or N. If GI is necessary however, your next step is to check your comp sheets.
She is GI though for 63 days if losing her group. Definitely want to avoid the GI route if possible and go UW on G or N. If GI is necessary however, your next step is to check your comp sheets.
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OE is gone because she did not decline Part B at 65. Unfortunately she not only lost OE but unnecessarily paid for Part B for more than a year by not signing the back of her Medicare card and returning it to them. She does get GI on reduced number (in most states) of med sup plans and SEP for a drug plan. She could try UW for any of the non-GI plans.
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Atenolol often for arrhythmia. Gabapentin for diabetic neuropathy
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You might check out Bankers Fidelity. They're not nearly as strict on Type II Diabetics as most carriers.
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