Changing From Medicare Advantage Plan to Medicare Supplement Policy

How to help clients make the transition


Although I briefly reviewed the Guaranteed Issue (GI) situations that may apply during the Annual Open Enrollment Period in a prior article, I thought it would be helpful to dive a little deeper into the opportunity for changing plans that could apply to your clients. There are a number of GI situations that could apply for the Medicare Advantage (MA/MAPD) covered person.                (This also includes PPO, Select and PACE Plans.)

Do your homework: research carriers

First, make sure to review the Medicare Supplement carrier’s GI guidelines to specifically see

• which Medicare Supplement plans may be offered

• the time frame for submission of the application and materials

• what must be submitted for proof of prior coverage.

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