A referral called me in February of this year. He stated that he turned 65 last year June, elected Medicare part A only, no PDP because he chose to stay on an IFP PPO plan with his wife, doesn’t take any meds anyways and health as a horse.
Not an employer plan, but IFP plan, off-exchange.
I advised him that he needs to apply for Part B before end of March which would not be effective till 7/1/2016, explained Part B penalty, Part D penalty and that a PDP could not be elected until AEP.
I sold him Med Sup G, effective 7/1/2016 and told him that he needs to cancel his IFP plan.
The wife just called me stating that she took him to the emergency room in the middle of June. Tests and scans revealed brain cancer.
He had surgery (different hospital) July 8th, is being transferred to SNF tomorrow which prompted her call to me because she was told they would probably owe around $14,000 for SNF because he is on Medicare.
At both hospitals, wife hands over his Medicare card and IFP PPO card.
She has no idea if or when husband cancelled IFP plan. Didn’t know about the Med Sup until today. Great communication going on in that household…….not!
Does anyone know what services would be paid by whom before July 1st?
Would the IFP plan pay at all since he turned 65 last year June?
What happens if he did not cancel IFP as of 6/30/16?
This is a first for me, need your advise.
Thank’s!
Not an employer plan, but IFP plan, off-exchange.
I advised him that he needs to apply for Part B before end of March which would not be effective till 7/1/2016, explained Part B penalty, Part D penalty and that a PDP could not be elected until AEP.
I sold him Med Sup G, effective 7/1/2016 and told him that he needs to cancel his IFP plan.
The wife just called me stating that she took him to the emergency room in the middle of June. Tests and scans revealed brain cancer.
He had surgery (different hospital) July 8th, is being transferred to SNF tomorrow which prompted her call to me because she was told they would probably owe around $14,000 for SNF because he is on Medicare.
At both hospitals, wife hands over his Medicare card and IFP PPO card.
She has no idea if or when husband cancelled IFP plan. Didn’t know about the Med Sup until today. Great communication going on in that household…….not!
Does anyone know what services would be paid by whom before July 1st?
Would the IFP plan pay at all since he turned 65 last year June?
What happens if he did not cancel IFP as of 6/30/16?
This is a first for me, need your advise.
Thank’s!