AARP Medicare consumers who are voluntarily switching from one med sup insurance - 紅藍卡，白卡，長期護理，免費老人福利

if a consumer qualifies for guaranteed issue, the insurance company CANNOT

deny the consumers application
apply pre-existing condition exclusions
charge the consumer more due to past or present health problems

The consumer must submit proper documentation with the enrollment application to prove guaranteed

issue eligiblity

EX: termination notice from prior coverage

do guaranteed issue vary by state?

yes it does

consumers who are voluntarily switching from one med sup insurance company to another are generally NOT_______

entitled to guaranteed issue

key reasons consumers choose ed sup insurance are:

1) to be able to choose any doctor that accepts original medicare
2) to have predictable OOP costs
3) to have coverage when traveling within the US

medicare open enrollment and guaranteed issue to med sups insurance plans

1) med sup open enrollment is the first 6 months a consumer is 65 or older and enrolled in part B
2) during med sup open enrollment an insurer must offer the consumer any plan it sells
3) there are federal and state requirements for guaranteed issue and open enrollment
4) some states have additional med sup open enrollment periods
5) consumers have guaranteed issue and med sup open enrollment rights under federal and state law

generally, consumers who drop another company’s med sup are not eligible for guaranteed issue

true

during med sup open enrollment, can a consumer can be charged more because of present or past health conditions

no they cannot

AARP med sup insurance plans are insured by

UHC insurance company ( UHC insurance company of NY for NY residents)

– avail nationwide inc. washington dc and some us territories
stable annual rate increases averaging 2.6% nationally between 2012 and 2016
-9/10 innsured members surveyed would recommend their AARP med sup plan to a friend of family member
-96%member satisfaction rate of those surveyed with AARP med sup insirance plans
-discounts are avail in most states

the only med sup insurance plan that carry the AARP name

AARP membership is required ( can enroll in aarp at the time of application to meet this requirement)

available AARP med sup insurance plans are:

Plans A,B,C,F,G,K,L,N

medicare select plans C and F are available in some states

to help apply for AARP membership med sup plans, you can use

LEAN

AARP vision discounts are provided by

eyemed

participating provides inc: lenscrafters, sears optical, jc penny optical, target optical, and pearle vision

AARP med sup insured members receive slightly greater discounts for routine eye exams than

AARP members