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I have a prospect, 72, whose husband is still working and has her on his employers group health policy. She would like to go on Medicare with a Med Supp to save some money, as their policy is costing ~$400 a month for her to be on it... but her husband is not planning on retiring any time soon.
The kicker is that she has some ticker issues, and she won't clear underwriting.
I have read that she would be GI if she was "losing" her employer-paid health coverage... but I didn't get the feeling that would include voluntary termination of her coverage as a spouse of an employee who would keep his coverage.
Any of you salty dogs want to chime in?
As always, I appreciate your time and input.
The kicker is that she has some ticker issues, and she won't clear underwriting.
I have read that she would be GI if she was "losing" her employer-paid health coverage... but I didn't get the feeling that would include voluntary termination of her coverage as a spouse of an employee who would keep his coverage.
Any of you salty dogs want to chime in?
As always, I appreciate your time and input.