Suggest you call your State’s Dept. of Insurance & refer to their website to see terms & conditions for Medigap plans that apply to your state. The only 2 ways you don’t need to go thru medical ?underwriting (where they can deny cov or charge higher rate) is at age 65 when you 1st become eligible for Medicare OR within 45 days of losing non Medicare cov, whichever is later. My understanding is that for those of us currently on Medicare, if we switch to IBM’s new UHC MAP & want to change back to a Medigap plan in the future, we’ll need to go thru medical underwriting unless our state offers plans that allow you to do that. In my state (CT), I can but there’s a waiting period & some plans have pre-existing conditions clauses.?
I’m on LTD so finding anyone that understands how this change effects us is next to impossible. The change to Via Benefits in 2014 was a nightmare because they specialize in plans for age 65+. I’ve had to shop & buy my own Medigap plan since then & submit a reimbursement form to access my HRA funding.?
Does anyone have info on how this effects IBMers on LTD? If so, can you post it in new a thread?
