How to help clients make the transition
BY MAGGIE STEDT
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.