Med Supp GI Rights & Compliance

[insurancebroker99]

Would this hypothetical situation be considered non-compliant? An agent enroll a Medicare beneficiary into an MA-PD in October 2024 with a 11.1.24 start date using an SEP. The agent knows that this plan is no longer being offered for 2025. The enrollee receives a letter stating that they are being involuntarily disenrolled, & they receive a letter stating that they have a guaranteed-issue right to enroll in a Med Supp. The agent then enrolls the client into a standalone PDP & a Med Supp using this GI right with a 1.1.25 effective date? I'm assuming that this would be considered non-compliant, but I just wanted to be sure.

 

[straightnochaser]

Would this hypothetical situation be considered non-compliant? An agent enroll a Medicare beneficiary into an MA-PD in October 2024 with a 11.1.24 start date using an SEP. The agent knows that this plan is no longer being offered for 2025. The enrollee receives a letter stating that they are being involuntarily disenrolled, & they receive a letter stating that they have a guaranteed-issue right to enroll in a Med Supp. The agent then enrolls the client into a standalone PDP & a Med Supp using this GI right with a 1.1.25 effective date? I'm assuming that this would be considered non-compliant, but I just wanted to be sure.

As far as I know you can no longer enroll someone in a termed plan this year, not sure if this is non-compliant but depending on your state you're doing all this work for a paltry $5 ish a month.

 

[goillini52]

Would this hypothetical situation be considered non-compliant? An agent enroll a Medicare beneficiary into an MA-PD in October 2024 with a 11.1.24 start date using an SEP. The agent knows that this plan is no longer being offered for 2025. The enrollee receives a letter stating that they are being involuntarily disenrolled, & they receive a letter stating that they have a guaranteed-issue right to enroll in a Med Supp. The agent then enrolls the client into a standalone PDP & a Med Supp using this GI right with a 1.1.25 effective date? I'm assuming that this would be considered non-compliant, but I just wanted to be sure.

Why would it be non-compliant?

 

[rmhaire]

Would this hypothetical situation be considered non-compliant? An agent enroll a Medicare beneficiary into an MA-PD in October 2024 with a 11.1.24 start date using an SEP. The agent knows that this plan is no longer being offered for 2025. The enrollee receives a letter stating that they are being involuntarily disenrolled, & they receive a letter stating that they have a guaranteed-issue right to enroll in a Med Supp. The agent then enrolls the client into a standalone PDP & a Med Supp using this GI right with a 1.1.25 effective date? I'm assuming that this would be considered non-compliant, but I just wanted to be sure.

The key in all of this is the term involuntary disenrolled. It's just the company saying no.

Why does it have to be a supp when you started with MAPD? If he wants MAPD just do another one.