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When you are in a guaranteed issue period, like right after you turn 65, there is no underwriting BUT that being said, if you are passed that period EVERY Supplement carrier, not just UHC will put you through underwriting and you get the quote ONLY i...
ykaplinsky 12-04-2024 01:54 PM
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You do know that Supplements HAVE NO NETWORKS...RIGHT?  any doctor that takes Medicare has to take a Supplement with no referrals....NO NETWORKS.  IF you have to stay in network, you do NOT have a Supplement.  You have an ADVANTAGE plan.
ykaplinsky 09-21-2023 03:00 PM
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OMG.  Medicare (the government) pays first.  UHC, BY LAW, cannot deny the claim if Medicare has paid first.  THAT IS IF YOU HAVE A SUPPLEMENT.  If you have an ADVANTAGE policy, that works very differently and your doc has to show medical necessity fo...
ykaplinsky 09-21-2023 02:55 PM
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11639
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You do know that if Medicare (the GOVERNMENT) approved the MRI, then UHC HAS to pay ...they cannot turn down anything.  Now maybe you have a Medicare ADVANTAGE policy and that is very different from a Medicare SUPPLEMENT. 
ykaplinsky 09-21-2023 02:51 PM
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Sorry, but that is government rules not AARP rules.  If you are under 65 (not 63), you can only got an Advantage plan not a supplement.  When you turn 65, you can get anything you want but not now. 
ykaplinsky 09-21-2023 02:46 PM
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Reply
0
Kudos
4925
Views
When you are in a guaranteed issue period, like right after you turn 65, there is no underwriting BUT that being said, if you are passed that period EVERY Supplement carrier, not just UHC will put you through underwriting and you get the quote ONLY i...
ykaplinsky 12-04-2024 01:54 PM
0
Replies
0
Kudos
1638
Views
You do know that Supplements HAVE NO NETWORKS...RIGHT?  any doctor that takes Medicare has to take a Supplement with no referrals....NO NETWORKS.  IF you have to stay in network, you do NOT have a Supplement.  You have an ADVANTAGE plan.
ykaplinsky 09-21-2023 03:00 PM
0
Replies
0
Kudos
10715
Views
OMG.  Medicare (the government) pays first.  UHC, BY LAW, cannot deny the claim if Medicare has paid first.  THAT IS IF YOU HAVE A SUPPLEMENT.  If you have an ADVANTAGE policy, that works very differently and your doc has to show medical necessity fo...
ykaplinsky 09-21-2023 02:55 PM
0
Replies
0
Kudos
11639
Views
You do know that if Medicare (the GOVERNMENT) approved the MRI, then UHC HAS to pay ...they cannot turn down anything.  Now maybe you have a Medicare ADVANTAGE policy and that is very different from a Medicare SUPPLEMENT. 
ykaplinsky 09-21-2023 02:51 PM
0
Replies
0
Kudos
11639
Views
Sorry, but that is government rules not AARP rules.  If you are under 65 (not 63), you can only got an Advantage plan not a supplement.  When you turn 65, you can get anything you want but not now. 
ykaplinsky 09-21-2023 02:46 PM
1
Reply
0
Kudos
4925
Views
When you are in a guaranteed issue period, like right after you turn 65, there is no underwriting BUT that being said, if you are passed that period EVERY Supplement carrier, not just UHC will put you through underwriting and you get the quote ONLY i...
ykaplinsky 12-04-2024 01:54 PM
0
Replies
0
Kudos
1638
Views
You do know that Supplements HAVE NO NETWORKS...RIGHT?  any doctor that takes Medicare has to take a Supplement with no referrals....NO NETWORKS.  IF you have to stay in network, you do NOT have a Supplement.  You have an ADVANTAGE plan.
ykaplinsky 09-21-2023 03:00 PM
0
Replies
0
Kudos
10715
Views
OMG.  Medicare (the government) pays first.  UHC, BY LAW, cannot deny the claim if Medicare has paid first.  THAT IS IF YOU HAVE A SUPPLEMENT.  If you have an ADVANTAGE policy, that works very differently and your doc has to show medical necessity fo...
ykaplinsky 09-21-2023 02:55 PM
0
Replies
0
Kudos
11639
Views
You do know that if Medicare (the GOVERNMENT) approved the MRI, then UHC HAS to pay ...they cannot turn down anything.  Now maybe you have a Medicare ADVANTAGE policy and that is very different from a Medicare SUPPLEMENT. 
ykaplinsky 09-21-2023 02:51 PM
0
Replies
0
Kudos
11639
Views
Sorry, but that is government rules not AARP rules.  If you are under 65 (not 63), you can only got an Advantage plan not a supplement.  When you turn 65, you can get anything you want but not now. 
ykaplinsky 09-21-2023 02:46 PM
1
Reply
0
Kudos
4925
Views
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Date Registered ‎07-28-2009 12:00 AM
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