StephanieCJ
Guru
- 660
Client turns 65 this month and Medicare A & B began November 1. He attended sales seminar for one of my carriers October 8. I strongly encourage people to sit down with me and let me verify doctors & RX before signing up on a plan (copays, tiers, etc.). He wants to sign up immediately after seminar, says he already looked at doctors and RX and everything is covered for him so does not need me to verify. Client calls Nov. 2 to let me know that he recieved his documents and when he was going through them, several of his maintenance meds are tier 4 and he thinks he may have selected the wrong plan for himself. I had a cancelation this coming Monday, so I have worked him in and asked him to bring a list of doctors and medicines with him to my office so that we can cover the cost for him on each. Just curious...If I end up moving him to either another carrier or a supplement, does the ICEP/IEP/Open Enrollment (depending on what route we take) still apply to get him a December 1 effective date since his is still in that window, or has it already been satisfied by the plan selection going into effect? I might be overthinking it, but I appreciate ya’lls input.