AARP Eye Center
Sync your smartphone or favorite tracker with AARP Rewards to earn points for hitting steps, swimming and cycling milestones Sync now.
LIMITED TIME OFFER
Join AARP for just $9 per year when you sign up for a 5-year term. Join now and get a FREE GIFT.
I have C O P D , and been turned down by numerous medicare supplement health Insurance,
even your Physician Mutual. Can you give me some advice on what supplement Insurance is out there and one who will cover me.
Thank you for your time
Ms. Debra Carter
@dc29045071 since you state you have been turned down by numerous medicare supplement health Insurance" I must assume you are not in your IEP, reside in a state that requires underwriting, does not have a carrier of last resort or qualify under one of these "guaranteed issue" situations.
https://www.medicare.gov/supplements-other-insurance/when-can-i-buy-medigap/guaranteed-issue-rights
I am not aware of any Medigap carrier that will UNDERWRITE and approve someone with COPD.
Even if you found such a carrier the premium would probably be unaffordable.
@somarco wrote:@dc29045071 since you state you have been turned down by numerous medicare supplement health Insurance" I must assume you are not in your IEP, reside in a state that requires underwriting, does not have a carrier of last resort or qualify under one of these "guaranteed issue" situations.
https://www.medicare.gov/supplements-other-insurance/when-can-i-buy-medigap/guaranteed-issue-rights
I am not aware of any Medigap carrier that will UNDERWRITE and approve someone with COPD.
Even if you found such a carrier the premium would probably be unaffordable.
I got the impression that the OP might be less than 65 years old (on SSDI) and lives in a state that does not offer Medigap coverage for those less than 65 years old.
But until there are more descriptive details offered by the OP - it is all speculative.
For good question answering, the pertinent details/info have to be known because it is all rather complicated and specifics matter a lot.
@dc29045071 wrote:I have C O P D , and been turned down by numerous medicare supplement health Insurance,
even your Physician Mutual. Can you give me some advice on what supplement Insurance is out there and one who will cover me.
Thank you for your time
Ms. Debra Carter
Debra,
PLEASE EDIT YOUR POST AND REMOVE YOUR PERSONAL INFO (EMAIL ADDRESS)
Next, after I answer your question here, I am going to ask the moderator to move this thread to the "Medicare and Insurance Board" where your question better fits and where there are others who may give you other info.
Now to answer your question - partly with a Question for you.
Traditional (original) Medicare gives people the option of buying a Supplemental policy to pay some of the beneficiary's out of pocket cost. This coverage is better know as MEDIGAP coverage because that is in essence what it is - GAP coverage - it does little else except pick up some of the beneficiary's out of pocket cost.
Although the various Medigap plan designs are dictated by the Federal Medicare laws, the state where you are located also has some regulatory oversite and rule making.
Now my questions for you because these details are important in answering your question and maybe give you some direction..
A LOCAL Medicare Insurance Agent or your states' SHIP (State Health Insurance Programs) representative may also be able to help you - or at least give you the reason(s) why you are not able to get a Medigap policy -
Medicare is a complicated insurance program with all its moving parts - I will be happy to help you, in general, but those details are important in answering your question specifically.
Some Resources for you:
Medicare.gov - What's Medicare Supplement Insurance (MEDIGAP)?
Then follow along each of the topics on the left hand-side of the page -
Sync your smartphone or favorite tracker with AARP Rewards to earn points for hitting steps, swimming and cycling milestones Sync now.