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1. What do I need to know if I want to buy a Medigap policy? What do I need to know if I want to buy a Medigap policy?...
2. Why is it important to buy a Medigap policy when I am first eligible? The best time to buy a Medigap policy is during your Medigap open enrollment period. This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B. Some states have additional open enrollment periods including those for people under 65. During this period, an insurance company can’t use medical underwriting. This means the insurance company can’t do any of the following because of your health problems: • Refuse to sell you any Medigap policy it sells • Make you wait for coverage to start (except as explained below) • Charge you more for a Medigap policy While the insurance company can’t make you wait for your coverage to start, it may be able to make you wait for coverage if you have a pre-existing condition. A preexisting condition is a health problem you have before the date a new insurance policy starts. In some cases, the Medigap insurance company can refuse to cover your out-of-pocket costs for these pre-existing health problems for up to 6 months. This is called a “pre-existing condition waiting period.” After 6 months, the Medigap policy will cover the pre-existing...
3. How do insurance companies set prices for Medigap policies? How do insurance companies set prices for Medigap policies?...
4. Comparing Medigap costs Comparing Medigap costs...
5. When is the best time to buy a Medigap policy? When is the best time to buy a Medigap policy?...
6. Step-by-Step Guide to Buying a Medigap Policy Step-by-Step Guide to Buying a Medigap Policy...
7. Can I buy a Medigap policy if I lose my health care coverage? Can I buy a Medigap policy if I lose my health care coverage?...
8. Types of coverage that are NOT Medigap policies Types of coverage that are NOT Medigap policies...
9. Share of Cost: Medigap Cost-Sharing Changes Meet Diverse Opposition A provision in the 2010 federal health care reform law calls for changes in Medigap policies that essentially shift the burden of health care costs more onto the hands of beneficiaries. Several members in Congress have come to the unsubstantiated conclusion that because some Medigap plans (the most popular ones, C and F) cover most of […]...
10. What Medigap policies cover What Medigap policies cover...
11. Share of Cost: California Beneficiaries Hit Hard by Medicare Advantage Plan Pull-outs Almost 151,000 beneficiaries in California are in a Medicare Advantage plan that is pulling out of Medicare in 2012. This means these plans are not renewing their Medicare contracts, their plans are terminating by the end of the year, and beneficiaries enrolled in these plans need to choose a new coverage option for 2012. With […]...
12. Several Medicare Cost Changes for New Beneficiaries in the President’s Budget Proposal Several Medicare Cost Changes for New Beneficiaries in the President’s Budget Proposal...
13. Share of Cost: Consumers Beware of Medicare Advantage Marketing Fraud Last week Julie Schoen, our California Senior Medicare Patrol (SMP) Project Director, spoke on Medicare fraud on a statewide press teleconference hosted by California’s Department of Managed Health Care (DMHC). Both agencies, DMHC and SMP, are committed to protecting beneficiairies from the sometimes malicious and fraudulent practices of a few insurance agents. While most agents […]...
14. I lost (or dropped) my health care coverage. Can I buy a Medicap policy? I lost (or dropped) my health care coverage. Can I buy a Medicap policy? ...
15. Pharmacies Must Notify Beneficiaries of Their Part D Appeal Rights, New Rule in Effect Pharmacies Must Notify Beneficiaries of Their Part D Appeal Rights, New Rule in Effect...