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Slick, your 1st statement is fiction but your 2nd statement is fact.
You are ALMOST correct. If you go into an MA plan for the 1st time from a Med Supp, you have 12 months to return to the SAME PLAN with the SAME carrier.Well don't just tell me I'm wrong, fill me in!!!
On the second statement, how much time are you allowed to make your choice?
I think you have a guarantee to re-enter Medicare on the same plan by any carrier? Meaning, if you go from Plan F to MA then leave the MA within 12 months, you have GI of a Plan F from any carrier.
or
If you age in straight to MA then you chose to leave MA within 12 months you have GI just like initial enrollment.
They can get their old supp back underwriting free within the 12 months. If they did not have a supp, the supp company does not have to take them. In that case, call AARP.
Why I sell them? They work in metro area more so then in rural markets. This is due to:
- Networks - they are HMO and PPO's with big networks
- Money - They work in poorer urban areas where supps are unaffordable
I would rather have it direct from the carrier also. SMAN said that he called them direct and they said they could go to any company. SOmeone either mis understood United WOrld or someone was bluffing. I believe you Rick. I am not arguing about what CMS guidelines are because you are correct. SMS thinks different and so does SMAN. I don't see how the application can slip through as GI.