Med Supp Way in Advance...

[sshafran]

In another (fairly) recent thread we were talking about enrolling T65's early in their supplements... I have a somewhat "tangent" thread to start here.


I had a referral call. She is 70 yrs old and said she had no supplemental coverage and wanted what my client had (Plan N). She just had an outpatient surgery done and it cost her 2,000.

Anyway, after some digging, turns out she has a MAPD plan and no SEP options. She thought she just had Rx coverage.....

Anyway, I was updating my CRM and added a task to call her during AEP to make the switch to the supplement.

But then the thought hits me - if I can take apps for T65's up to 6 months prior.... why not for her?

Take the app for 1/1/16 effective med supp in July 2015. Makes less work during AEP - just have to do her PDP app.

Has anyone tried this? I'm sure it's carrier specific just like the T65, but this could really help if possible...

 

[grod]

Its a CMS violation. You can't take a 2016 MAPD application prior to AEP.

 

[sman]

Its a CMS violation. You can't take a 2016 MAPD application prior to AEP.

Read it again. It's a Med Supp app.

 

[bpenn9]

Its a CMS violation. You can't take a 2016 MAPD application prior to AEP.

True but the OP said med supp.

 

[grod]

Its a CMS violation. You can't take a 2016 MAPD application prior to AEP.

Never mind.....

 

[vic120]

I know early on I had an app for one who wanted to get a supp and switch from MAPD.

The underwriter told me they could complete the app without written notice from MAPD.

I have since found that when they enroll into PDP that the Medsupp Company wont hassle about the cancel letter,However that still takes you past AEP.

on the other hand I find some carries are not even taking T65 6 months in advance Like UHC.

 

[goillini52]

In another (fairly) recent thread we were talking about enrolling T65's early in their supplements... I have a somewhat "tangent" thread to start here.


I had a referral call. She is 70 yrs old and said she had no supplemental coverage and wanted what my client had (Plan N). She just had an outpatient surgery done and it cost her 2,000.

Anyway, after some digging, turns out she has a MAPD plan and no SEP options. She thought she just had Rx coverage.....

Anyway, I was updating my CRM and added a task to call her during AEP to make the switch to the supplement.

But then the thought hits me - if I can take apps for T65's up to 6 months prior.... why not for her?

Take the app for 1/1/16 effective med supp in July 2015. Makes less work during AEP - just have to do her PDP app.

Has anyone tried this? I'm sure it's carrier specific just like the T65, but this could really help if possible...

Most companies will let you write it 60 before the effective date. Aetna and New Era will let you write it 90 days before. Looks like 10/01/2015 is the soonest you can write it.

 

[liorselamb]

In another (fairly) recent thread we were talking about enrolling T65's early in their supplements... I have a somewhat "tangent" thread to start here. I had a referral call. She is 70 yrs old and said she had no supplemental coverage and wanted what my client had (Plan N). She just had an outpatient surgery done and it cost her 2,000. Anyway, after some digging, turns out she has a MAPD plan and no SEP options. She thought she just had Rx coverage..... Anyway, I was updating my CRM and added a task to call her during AEP to make the switch to the supplement. But then the thought hits me - if I can take apps for T65's up to 6 months prior.... why not for her? Take the app for 1/1/16 effective med supp in July 2015. Makes less work during AEP - just have to do her PDP app. Has anyone tried this? I'm sure it's carrier specific just like the T65, but this could really help if possible...

Do an E-App Oct 1st or 2nd and save yourself a trip. Tell her not to seek medical care until then...(in case she gets sick)......