10-11-2016, 03:25 AM
Soooo, I've been doing my research and talking to people. A friend told me...
"Any supplemental plan is required by law to accept new Medicare enrollees without health questions.
However, if you are not new to Medicare and are coming from an Advantage plan, there is no guarantee of your insurability because the insurance company is allowed to ask you health questions and deny coverage under certain conditions.
Whenever an Advantage plan is canceled, you are entitled to sign up for original Medicare and apply for a secondary insurance plan without any health questions being asked; you are guaranteed to be insured - no denial of coverage, no rating on the premium."
So a HUGE question here is, Did Kaiser cancel the plan or change it? AAAAAARRRRGGGGHHHHH
This could be their way of getting rid of expensive patients by denying coverage due to existing conditions.
"Any supplemental plan is required by law to accept new Medicare enrollees without health questions.
However, if you are not new to Medicare and are coming from an Advantage plan, there is no guarantee of your insurability because the insurance company is allowed to ask you health questions and deny coverage under certain conditions.
Whenever an Advantage plan is canceled, you are entitled to sign up for original Medicare and apply for a secondary insurance plan without any health questions being asked; you are guaranteed to be insured - no denial of coverage, no rating on the premium."
So a HUGE question here is, Did Kaiser cancel the plan or change it? AAAAAARRRRGGGGHHHHH
This could be their way of getting rid of expensive patients by denying coverage due to existing conditions.