Medicare Advantage Cancellation: Your Options

If your Medicare Advantage plan is cancelled, you have two options:  Change to another Advantage plan or return to Medicare and get a Medicare Supplement – with no questions asked. This is called “guaranteed issue”, and it is an option that should be seriously considered.

Guaranteed issue means a person who is 70 years old (or 90) with health problems can get a Medicare Supplement plan with no questions asked.  A person in this situation will pay the premium rate for his age, but will have no penalty because of his health condition.  This is a great opportunity to get the full coverage offered by a Plan C or F Medicare Supplement – and people in this situation are encouraged to look seriously at this option.

A copy of the cancellation letter from the Medicare Advantage plan must be submitted with the  Medicare Supplement application.  The Medicare Advantage cancellation letter will say clearly that  the person has “guaranteed issue”  for a Medicare Supplement with any company.  There are also boxes on the Medicare Supplement application to indicate that the applicant has guaranteed issue.

A number of Medicare Advantage plans will be cancelled for 2011 and letters have been sent to more than 2,000 people in southern Arizona informing them that they will have to change their Medicare plan by the end of December.  Details of 2011 Medicare Advantage plans are not publicly available until October 3rd, so plan options cannot be discussed until that time.

For more information go to the Medicare Choices of Arizona.

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6 Responses to "Medicare Advantage Cancellation: Your Options"

  1. This is great information for Seniors who are losing their Medicare Advantage Plans.  Over $136 billion in funding cuts will dramatically affect the Medicare Advantage program over the next few years and seniors should use their guaranteed issue period to enroll in original Medicare and a Medicare Supplement Plan.  While Plan F is the most popular, <a href=””>Medicare Supplement Plans</a> G and Plan N should also be considered.  Keep in mind seniors who are not having their advantage plans cancelled also have guaranteed issue for Medicare Supplemental Insurance if they have had their plan less than 2 years.

  2. medicareblogger says:

    The so-called Medicare expert is just a lead system.  Put in your name and contact info and four or five agents will call you.  You are giving permission for people to call you.

  3. Cris Brines says:

    We are not a lead system.  We are a national insurance broker who provides quotes for every company and plan, free of charge.  We offer expert advice to thousands of seniors every year and take pride in our knowledge and experience.  Almost all insurance companies raised their prices on October 1st, and all quotes will be updated by the end of the week.  Please give me a call if you have any additional questions and I have enjoyed reading your blog posts.  They are great!

  4. medicareblogger says:

    Are you in Tucson?  Are you in Arizona?  Or do you have agents here for people to talk to after they call you?  Don’t Medicare Supplement applications require the signature of the agent/broker and the applicant?  Can a Med Supp application be completed over the phone?

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