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If a mb is on an MAPD that leaves the service area, but is on ESRD, are they still able to be a guaranteed issue on a Med supp policy when the MAPD leaves?
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Unless the beneficiary is under 65, at least in CA.Sure, why wouldn't they be able to qualify for a Med supp guarantee issue? The ESRD question pertains to Medicare Advantage plans; not supplements. Unless I am reading the question incorrectly.
yeah, but who would want to be on an MAPD if they have ESRD?
I am assuming you are speaking about California?
I had a California resident with ESRD who is turning 65 referred to me by a friend and while Anthem and UHC won't accept him for a Med Supplement there are other companies (Mutual of Omaha, Humana and a couple of others) who consider him to be within his Open Enrollment rights.
I called each of the companies and confirmed this with Agent services before making a recommendation to the referral.
I submitted the application to Mutual this afternoon with his ESRD noted in the 'Notes to Underwriting' section, I will follow up here once it is through Underwriting (either way).
This is my first ESRD case so, while surprised, it was good to see that he has options-he has been on group benefits for many years and his employer was going to take him off the group when he turned 65 whether it was compliant or not.