These Expensive Mistakes Should Not Occur With Medicare Insurance
I received a call from my office one certain day which said that a desperate and confused couple had come and needed help to get Medicare Part D insurance. The office told me that the plan did not insure any of their expensive medications! I quickly realized that the issue was bigger than a phone call and I made an appointment to meet them. I had no idea the magnitude of the problem! At the meeting, I started asking questions as usual, trying to understand what the problems were and how they had developed. I found out that the woman had been using Medicare earlier this year because she had left her husband’s insurance. Let’s just assume she is over 70 at the time. Obviously, she had decided on her own to take her coverage on the phone. At this point, I don’t want to make any generalization; however, many people who leave the group insurance to go for Medicare program shouldn’t do the process on their own! You’ll see why, if I continue with this horrible story. Stopping by https://www.medicareadvantage2019.org/ will get you information on a 2019 medicare advantage plan.
I found out she was on a Medicare Part D drug plan and was considering insuring her expensive branded drug. Now, the problem is that the drug costs more than $ 400 and, as most agents know, this will put you in the insurance gap. Naturally, she did not know anything about it. In fact, she thought the plan would stop insuring her drug. Just a brief comment here; whatever the genius that has calculated the insurance gap, it should be required to give lectures to seniors across the country.
As I continued to ask for information, I found out that in February she had received a letter from his plan stating that she had “no authentic choice of drugs” for the last six years and that, if she did not demonstrate proof of “credible insurance” within 60 days, she should pay $20 more per month, or $240 a year. It was not as funny as the husband asks for a file at my request, and the proof of insurance from her former employer was at the top of the file. Immediately, I put a call to the plan and, I was informed that it was not in their hands since the deadline and I should file a complaint with Medicare. What a mess! If they had used a competent, independent, and knowledgeable agent!
Nevertheless, whenever there is a termite, usually there is another or something of that nature. So I had to ask for their extra blanket and, of course, they did not know what they had or what they had done. I found out a letter from an insurer claiming to have applied for a Medicare N supplemental plan but had lost a simple form to complete the process. Immediately, I called the company and you guessed it. There was no insurance! They never received the form and therefore it was never properly positioned. If you receive something about your insurance in your email, you may want to open it and do the necessary.