Getting a Refund from Humana While on a MAPD

[Midlevel]

I also talked to my Marketing Group and it is legal to have a MAPD and a Medicare Supplement. You cannot have 2 Medicare Supplements so if I had switched them to a different Med Sup instead of a MAPD I would have alot better chance of making them refund the full month's premium.
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Go to page 68 and 69 of the Medicare & You handbook. It says if you join a Medicare Advantage Plan you may want to drop your Medicare Supplement policy. It does say it's illegal to sell you a new Med Sup if you already have a MA plan.

 

[Todd King]

I do stand corrected. It is not illegal to have a MA and a Med Supp at the same time.

Is it illegal for an insurance company to keep the clients money when they know full well they will never have to pay out on the policy? Well, probably not illegal, but certainly immoral.

I've had this same conversation and debate with a couple of different Med Supp companies that didn't want to refund the money initially. I won both of those arguments and gotten the clients money back. Will it work everytime? Don't know until you try, I suppose.

 

[Midlevel]

DOI told me to send Dr. bills and MAPD Explanation of Benefits to Med Sup company and if they don't pay to send everything to DOI along with a complaint from the client and they will try to help out. His copays that they will have to reimburse will far outnumber the premium for January.

I figured up I've sent them around $250,000 worth of premium last 2 1/2 years and they can't help me out refunding 1 months worth of premium to keep my client happy?

 

[senior-advisor-indiana]

DOI told me to send Dr. bills and MAPD Explanation of Benefits to Med Sup company and if they don't pay to send everything to DOI along with a complaint from the client and they will try to help out. His copays that they will have to reimburse will far outnumber the premium for January.

I figured up I've sent them around $250,000 worth of premium last 2 1/2 years and they can't help me out refunding 1 months worth of premium to keep my client happy?

There is no way the Supp is going to pay the claim. I wouldn't even waste time trying. Read the exclusions of a Supp contract.

 

[DS4]

Had a weird situation today. Sold a customer a new plan in December for a Medicare advantage plan that would start effective January 1. Once I saw that their policy was enforced and I quit watching football, I faxed a cancellation letter into Humana on January 3 to cancel the Medicare supplement.

You should have been watching your computer for the MA approval.
If Humana doesn't refund, suck it up as a learning experience and send your customer a personal check for the refund.

 

[bigeats]

I'm curious... why would Humana (or any other carrier, for that matter) cancel a gap policy simply because an agent requests it? The agent isn't the policy owner...

 

[Midlevel]

My Med Sup company has agreed to refund the whole month of January since there weren't any claims. They made a one time exception for me. She said if I would have wanted to send the claims in we would have had to ask Medicare for an extension on Parts A and B of Medicare so January's claims could have ran through Medicare and the Med Sup. I'm not sure that route would have worked out so well.