Level 1 / Level 2 Plan Rates UHC/AARP

Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE

Go Back   Insurance Forum > Insurance Agents and Brokers Forum > Senior Insurance Forum

Reply to Level 1 / Level 2 Plan Rates UHC/AARP     
Old 07-06-2010, 10:08 AM   #1
New Member
 
Join Date: Apr 2009
Posts:15
State: NBurton is an Insurance Agent from New Jersey
Level 1 / Level 2 Plan Rates UHC/AARP Level 1 / Level 2 Plan Rates UHC/AARP
Can anyone tell me what determines Level 1 and Level 2 Plan rates when looking at UHC/AARP Med Supp Rates.

Although I am not contracted with UHC/AARP, I'm working with a Client that due to age this may be a better fit for him.

84 year old male, leaving employer coverage which makes him Guarantee Issue but his age makes many other Carriers premiums costly also.

I would like to be able to give him a complete picture.

The only info I have is from their consumer site which does not explain the difference of Level 1 and 2.

Any help would be Greatly appreciated
------------------------------------
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-06-2010, 10:45 AM   #2
Guru
 
Join Date: Sep 2006
Posts:3,423
State: sman is an Insurance Agent from Georgia
sman is a member of 1000 posts VIP club
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
I can answer the question as it pertains to Georgia. There are a list of health questions in section 6 of the application (again, I am speaking for Georgia. Your app may be different). If they answer "yes" to any of the questions in section 6, they move to level two on the rates. Also, they only have to answer section 6 if they've been on Medicare Part B for more than three years.

I'm not sure how that would actually pertain to an 84 year old leaving employer coverage. When did he go on Medicare Part B? If all else fails, you can call broker support.
------------------------------------
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-06-2010, 11:58 AM   #3
DS4
Guru
DS4 on Level 1 / Level 2 Plan Rates UHC/AARP - Insurance Forum
 
Join Date: Oct 2009
Posts:2,968
State: DS4 is an Insurance Agent from California
DS4 is a member of 1000 posts VIP club
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
Originally Posted by NBurton View Post
84 year old male, leaving employer coverage which makes him Guarantee Issue but his age makes many other Carriers premiums costly also.
Did this man recently trigger Part B?
If not, level 2 premium rates apply.

------------------------------------
D. Dayton Sayer IV
Dayton Sayer Insurance Agency, Inc.

"The most valuable commodity I know of is information" Gordon Gekko
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-06-2010, 12:04 PM   #4
New Member
 
Join Date: Apr 2009
Posts:15
State: NBurton is an Insurance Agent from New Jersey
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP NBurton is the thread starter for: Level 1 / Level 2 Plan Rates UHC/AARP

Thanks for the response Sman,

He's actually been Part B enrolled since 1991, so I assume he will be exposed to the questions.

Is there no Guarantee issue plans or period with them?

I tried calling both support lines, Consumer and Broker nether would answer any questions because I wasn't contracted.

Once again Thanks for your help
- - - - - - - - - - - - - - - - - -
DS4, Thank You also
------------------------------------

Last edited by NBurton; 07-06-2010 at 12:05 PM. Reason: Posts merged
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP

Register Now for FREE!
To sign up for your FREE INSTANT account, please complete the form.

Username:
    Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     
   
Question of the day:   Which holiday is on Dec.25-th ? I agree to forum rules 


Old 07-06-2010, 12:13 PM   #5
DS4
Guru
DS4 on Level 1 / Level 2 Plan Rates UHC/AARP - Insurance Forum
 
Join Date: Oct 2009
Posts:2,968
State: DS4 is an Insurance Agent from California
DS4 is a member of 1000 posts VIP club
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
When did this man lose employer group coverage?

------------------------------------
D. Dayton Sayer IV
Dayton Sayer Insurance Agency, Inc.

"The most valuable commodity I know of is information" Gordon Gekko
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-06-2010, 01:19 PM   #6
Guru
 
Join Date: Sep 2006
Posts:3,423
State: sman is an Insurance Agent from Georgia
sman is a member of 1000 posts VIP club
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
It's my understanding that if he lost his coverage and applies within 63 days he can get the lower rates due to this being a qualifying event for a guarantee issue. Same goes with any carrier.

Originally Posted by NBurton View Post
Thanks for the response Sman,

He's actually been Part B enrolled since 1991, so I assume he will be exposed to the questions.

Is there no Guarantee issue plans or period with them?

I tried calling both support lines, Consumer and Broker nether would answer any questions because I wasn't contracted.

Once again Thanks for your help
- - - - - - - - - - - - - - - - - -
DS4, Thank You also

------------------------------------
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-06-2010, 01:27 PM   #7
DS4
Guru
DS4 on Level 1 / Level 2 Plan Rates UHC/AARP - Insurance Forum
 
Join Date: Oct 2009
Posts:2,968
State: DS4 is an Insurance Agent from California
DS4 is a member of 1000 posts VIP club
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
Originally Posted by NBurton View Post
Is there no Guarantee issue plans or period with them?
Federal Law,
If he is losing employer coverage, and, applies within 63 days, med supp is guarantee issue. No medical questions.

State laws on this issue vary.
Here in California, the 63 days expands to 6 months.

Also, don't forget @ Part D. If this man had creditable prior Rx coverage through his employer, this would be a SEP. Otherwise, he can enroll during the AEP Nov 15th for a Jan 1st eff date.

------------------------------------
D. Dayton Sayer IV
Dayton Sayer Insurance Agency, Inc.

"The most valuable commodity I know of is information" Gordon Gekko

Last edited by DS4; 07-06-2010 at 01:53 PM.
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-06-2010, 08:05 PM   #8
Expert
 
Join Date: Mar 2009
Posts:48
State: jsanchez001 is an Insurance Agent from New Jersey
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
Hello NBurton,
Since he is within the 63 days he will qualify for a guaranteed issue plan (any plan C or F, MOO you can get a plan G). As far as AARP is concerned, if he has part B since 1991, he will not qualify for group 1 or group 2, he will qualify for group 3, at level 1-because he will be guaranteed...
Hope this helps....
------------------------------------
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-07-2010, 11:19 AM   #9
New Member
 
Join Date: Apr 2009
Posts:15
State: NBurton is an Insurance Agent from New Jersey
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP NBurton is the thread starter for: Level 1 / Level 2 Plan Rates UHC/AARP

Thanks to all, the information has helped alot and is appreciated.

Jsanchez, can you email me at fnfinishes@aol.com or private message me.

I don't have the enough posts to allow me to PM you

Thank You
------------------------------------
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Old 07-07-2010, 12:04 PM   #10
DS4
Guru
DS4 on Level 1 / Level 2 Plan Rates UHC/AARP - Insurance Forum
 
Join Date: Oct 2009
Posts:2,968
State: DS4 is an Insurance Agent from California
DS4 is a member of 1000 posts VIP club
Level 1 / Level 2 Plan Rates UHC/AARP Re: Level 1 / Level 2 Plan Rates UHC/AARP
Originally Posted by jsanchez001 View Post
Hello NBurton,
As far as AARP is concerned, if he has part B since 1991, he will not qualify for group 1 or group 2, he will qualify for group 3, at level 1-because he will be guaranteed...
I think you meant to say " Group 3, Level 2?"

------------------------------------
D. Dayton Sayer IV
Dayton Sayer Insurance Agency, Inc.

"The most valuable commodity I know of is information" Gordon Gekko
  Reply With Quote to Level 1 / Level 2 Plan Rates UHC/AARP
Reply to Level 1 / Level 2 Plan Rates UHC/AARP 

  Insurance Agent Forum > Insurance Forum > Insurance Agents and Brokers Forum > Senior Insurance Forum




Similar Threads with Level 1 / Level 2 Plan Rates UHC/AARP
Thread Thread Starter Forum Replies Last Post
Is anyone going to the Convention (National Agents Alliance) (NAA dvd493 Life Insurance Forum 1553 06-19-2014 05:58 PM
Medicare Cold Call Scenarios glrocky Insurance Cold Calling Forum 83 01-06-2013 11:59 AM
New Pre-Existing Condition Insurance Plan Mark Individual Health Insurance Forum 34 07-08-2010 03:05 PM
Best Plan For Med Supp crons79 Senior Insurance Forum 33 05-07-2010 02:15 PM
Matching the client with the right plan somarco General Insurance Agent Discussions 32 03-29-2007 01:43 PM



All times are GMT -5. The time now is 04:49 AM.

Forum enabled with vBulletin®
Copyright ©2000 - 2014, vBulletin Solutions, Inc.

Join the Forum - It's FREE

Share This Page



Weekly Poll

What is your main strategy for growing your insurance business ?