My husband won't pass as he's on several meds for AFIB. Blood thinner among them. Luckily we got a supplement plan by working with your company before these events occurred. We have a Plan G. I pass on your company name and youtube channel info as often as I can. Very helpful thank you!
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
I'm under 62, on SSDI, & have a Medicare supplement plan that I'm stuck with until I turn 65 & can't change without underwriting. Feel like i am penalized because of a chronic, permanent disability i suffered from in 2012 that resulted in going on SSDI. The cost of it has doubled over the last several years & my only choice is to change to a Medicare advantage plan until then. I have been through the worst of our health care system through my experiences. I should have gotten dual citizenship in another country years ago when I had the opportunity where I could have gotten the medical care I needed without it financially ruining me.
Sadly, there is no federal law mandating the availability of Medicare supplement plans to people under 65. Most states do not offer any Medigap plans until a person reaches 65. Other states price under 65 supplement so high, they are not a reasonable solution. It's just the way it is.
I would pass, yes. But, not on any plan yet. Still on employer approved coverage. Still about 6 months out, when i turn 67, if all goes according to my plan. Will contact you in February. Appreciate your videos. Thanks Matt!!
Very informative! Luckily I live in a state with guaranteed issue but am sometimes asked questions by relatives in a state where that's not the case so I appreciate knowing what's involved in underwriting. What they learn from the prescriptions you take was especially interesting.
Can you Pass Underwriting? medigapseminars.org/request-a-quote/ Me? Probably pass, but I need to get more exercise to my keep blood pressure down! Aging isn't as fun as it used to be when I was young. **I would like to add that if a person is declined, we ask that they get the exact reason from the insurance company. Sometimes it is due to an error in medical records, sometimes it is due to an issue other insurance companies do not see as a problem. With that information, we can often appeal or try with a company we know will be more lenient.**
@@Itsme-jv4cd One of our roles is to help people through the underwriting process and hold back an application if a person is not likley to pass. We can certainly go over the medical questions ahead of time.
No, I have R-arthritis and on 2 meds plus prednisone when I have flares. Trying to get approval for Humira to drop one of the other meds, and no more prednisone. But great video, thats.
Probably a no. I am currently taking medication for hypertrophic cardiomyopathy. Currently on plan N which has been fine. Would consider switching if I could find a lower premium.
What about panic attacks diagnosed 35 years ago? For these, I was placed on Lorazapam as nothing else worked. I have had no problems since then, until some new Dr desides to take me off the Ativan, then I have partial attacks again. They could never diagnose what caused them. And they've run every test in the books. I feel it's due two concussion: one as a kid after a couple of ornery boys kicked large rocks down on me while climbing an iron ore dredge pile after which I suffered a bad concusion and later migraines, but that was in the 50's. The migraines went away when I got through puberty. The other resulted in due to a man running a yield sign and slamming into my car which left me unconsious and being rushed to an Air Force Dr. That was in the early 70's. The Panic attacks came much letter when I was working at the Arizona State Hospital in my early 40's.
There are some drugs on an automatic decline list, which is different for each insurance company. I don't know if Lorazepam is on such a list. That is something we check when doing an application. medigapseminars.org/contact-us/
Mr. Classen,I have original Medicare,I need dental insurance, can I get it from you I’m in Texas.I see you are very good ad honest man,you wat to help people seniors like me to save money on insurance and you give advice.God Bless you.
Mr. Classen what is AEP? Why wait after Dec12?Does dental insurance no time frames to register?What can you say about Delta Dental?Is NCD MetLife (ppo?)Thank you and God Bless you.
@@teresitaang2759 Annual Medicare Election Period - October 15-December 07. This is the limited period of time many people on Medicare must make a decision about next years plans. This is moving in or out of Advantage Plans and Part D. We are swammped and must triage
I tried to change my Medigap coverage sure, I was accepted, that wasn’t an issue, but at more than three times the premium I was paying through my original Medigap insurance provider. So changing was cost prohibitive because of one medication I’m taking. I have to stick with my original insurer.
? That doesn't make sense. Prescrioptions are covered through Part D, not the supplement. If you are on a Part B medication like infusions, you are typically denied coverage.
I’m writing on this page because it’s your newest video. To answer your question. I have done my due diligence and picked Medicare Advantage plans simply because of cost. I can’t afford the premium for original Medicare and the cost of a Supplement Plan. I’m retired on Social Security and started Medicare less than one month ago. I live below the poverty level and get food stamps. New York State of health called me and said that I had to get Medicare because of the end of the pandemic emergency ‼️. She also stated that Medicare would be picked up by New York. She just said it might be a couple of months but I will be reimbursed. I can’t wait. I have no savings and will not be able to afford my rent. I live in New York. My question is can I switch to a supplement plan and have NY State of Health pay for it??.
Thank you for your comment. The majority of people who choose a Medicare Advantage plan do so because they cannot afford the supplement premium. The state will not pay for a supplement.
As an add on New York is facing a budget crisis due to the influx from over one hundred thousand refugees. So they are cutting funding for all departments by 15%. No exceptions. Before I could go down to my local office and speak to a case worker. That is not an option now. All you can do is wait on a long line and input your data into the system. There is no one to give you advice or answer your questions. So kind of stuck between a rock 🪨 and a hard place. I have watched many of your videos for information. Like I previously mentioned I have done ✅ my due diligence. I have not called the number because of uncertainty about NY State of Health. The person I spoke to was working from home 🏡. Tx in advance for reading this. Have a great day.
We work with a number of dental plans, including one with unlimited coverage. They keep improving every year. medigapseminars.org/does-medicare-cover-dental/
Mom is almost 81 and in WA state. She was on no prescriptions with no major health issues until a severe stroke in July 2023. Hospitalized for several weeks due to dysphasia and had feeding tube placed. Also 1 week for a TIA. Acquired a blood clot due to midline IV placement so has been on Xarelto for a few months. That is supposed to end. Had a couple seizures leading up to the stroke (never had before) and is now on seizure med. Been receiving rehab in SNF and making good progress so will hopefully be home soon. Now uses a walker. Been advised to move her from her Advantage plan to Original Medicare and then supplement with Medicaid. I'm guessing she would not pass underwriting for a Medigap Supplemental for multiple reasons. Any other recommendations other than Medicaid? Would Original Medicare be the best way to go? Thank you and your videos are great and very informative!
There is no way she would qualify if medically underwritten. . There are some states that have perpetual open enrollment for supplements or other special rules. The most common are CT, NY and VM
Thanks for the video. I am 67, new to Part B and supplement effective Jan 2024. You speak about diabetes but do not distinguish between type 1 and type 2. I have type 1 (for 28 years now) and thus have to be on insulin to stay alive as well as a continuous glucose monitor and an insulin pump to keep good control. I am in tight control with an A1c below 6.0 and have no complications. What has been your experience with folks who have Type 1 Diabetes and the underwriting process? Thank you.
@MedigapSeminars 3:22. Hi My Mother in Law had Medicare and Tricate... She was talked in ti Humsns that replaced her government Medicare Plan. I think is a bad choice. Please tell me your opinion. Ty!
I signed up for plan G knowing the company I choose would be for life due to heart valve replacement and the drugs I take. I don't have the option to change
Love your videos. Very informative. I live in California and I was wondering. If I got a Medigap policy through a broker and I want to change my policy on my birthday, do I have to use the same broker or can I change to a different broker?
California Birthday Rule, like all birthday rule policy changes, is considered a Guaranteed Issue plan. Because it is guaranteed issue, insurance companies do not pay the agent. Because insurance companies do not pay the agent, birthday rule changes is not a service we offer. If you can pass underwriting and want a new policy any other time of year, we can help.
I am so grateful for your site as I'm binge watching all your videos and just say this one. I'm confused by something I just read after signing up for a part D, and then planning on going with a G plan which in Georgia has prescription discounts. I chose that plan as it has nurse liine, and Renew Active (analagous to silver sneakers).. what the government site states is.... It states on the federal site " If your Medigap policy covers prescription drugs, you must tell your Medigap insurance company when you join a Medicare drug plan so it can remove the prescription drug coverage from your Medigap policy and adjust your premium. Once the drug coverage is removed, you can’t get that coverage back even though you didn’t change Medigap policies" Oh dear! Does my state of Georgia, if I sign up for the most popular one, not allow a D coverage if I sign up for this one? And if not allowed, I'll be penalized in the future for not having?
🙂 no one can accuse the government of being clear and helpful. That comment references Plan J that went the way of Plan F in 2010. Since 2010, no Medicare supplement includes drug coverage. Are you considering using us for your supplement? medigapseminars.org/contact-us/
@@MedigapSeminars Yes! But I'm one of those folks that wants to learn before I waste the time of your folks for an hour on the phone with all the questions I have! I'm drilling down on decision due to YOU, and will call when I get down to such. Seriously, your videos are great as I had over 50 questions, and then more after learning that I don't want to challenge an agent to answer all 50! I'll get with your folk in less than 2 months!
I thought that when you are new to Medicare there is a trial right where you can change from Advantage to Medigap without underwriting In this video I heard 6 months ? Please clarify
The trial right you are referring to is IF you purchased a Medicare Advantage Plan during your initial enrollment period when you turned 65, you have a 1-year trial right to switch. Otherwise, your Medicare supplement initial enrollment period is the first 180-days on Part B.
I had a TIA over 10 years ago with no incident since then. I am treated for high blood pressure and cholesterol with no change in prescriptions for many years. My lab numbers always look good with annual physicals. Could the TIA result in a decline for Medigap insurance?
How does one get a copy of their own MIB report for review to ensure correctness? (like getting your free credit report). Is there an agency website to file to get such? I've subscribed and done a binge watch of all your videos, thanks so much!
@@MedigapSeminars It's fabulous to binge watch your videos to not forget as you move from one subject to another! (Plus, I don't have Netflix or Disney Plus, so can't binge watch them as my family member do lol)
I am thinking I need to leave the advantage plan I am on due to my RV travel around the US 6 months out of the year. My medications are for insomnia, mild depression, and slightly high cholesterol. I have sleep apnea successfully treated with a CPAP. Any issues there?
Now, after watching this video I don't think I will. I have had bladder cancer. Small tumors that were removed in surgery. Immunotherapy treatments after. Other than that I take no prescription medications, no Bp, no diabetes. .
Plan G is a good plan to be stuck with. If we have an applicant declined, we get them to find out the specific reason for the decline. Sometimes we can find a different insurance company that will be a better fit.
It makes no sense that you can not switch medigap plans in some states with the same insurance company is already covering you and aware of your medical conditions. If I wanted to go to plan n from g with same company that company is not taking on any additional risk.
Can I pass? Low grade prostate cancer diagnosed 15+ years ago. Been on active surveillance (no 'treatment') ever since. Last year had genome testing done as PSA crept up over 4.0. Results proved it's a non-aggressive form of pC and unlikely to grow/spread any faster than it has over the last 15 years...which is almost none at all. Oncologist recommended staying with Active Surveillance and NOT getting any treatment at this time. So YES, I have cancer and NO, I haven't had any treatment/Rx for well over 2 years. How do they view this for medical underwriting purposes?
I was prescribed 10mg Xarelto after a DVT 5 years ago due to Factor Leiden V. I'm otherwise healthy, no other meds and in shape. I'm a few months short of 65 and considering plans G & hdG. There is $120.00 per month difference here in Florida. I'm currently leaning towards hdG as it appears it will be close to a break even point even if I had to pay thedeductible every 2 years due to health issues. Can I assume I will have no chance of passing underwriting in the future if I wanted to move to a G plan? I appreciate all of your video content, its been very helpful. Thank you
DVT? Deep Vein Thrombosis? That would not get through underwriting. The G-HD or Plan N are great plans in Florida. Those are the two you should compare. The key is getting the right insurance company. medigapseminars.org/contact-us/
Are we allowed to see our MIB ? I have a feeling the UHC House calls nurse that came to visit made up some fake diagnoses. At the time she came to visit my thumb was hurting from shoveling. She didn't look at my thumb nor did she touch it but she said I had arthritis. The pain went away within 2 weeks. She asked if I had the Dexa scan I said I was going to get. Then she asked if it showed osteoporosis.I said no but the bone density was decreased from the one I had 15 years ago. So she diagnosed me with osteopenia without ever seeing the scan results. I think Medicare Advantage gets more money if they can comes up with mire diagnoses.
Would I have to be underwritten to change from Plan G to Plan N? I have had a CABG surgery 2 yrs prior and is all under control. I am healthier now than before. Doc put me on a blood thinner out of abundance of caution. The Plan D drugs are expensive but that is separate from Supplement Insurance, yes? Thank you.
@@MedigapSeminars Thanks for your response, Matt. Now, if the underwriting gave me the green light would they charge me a higher premium for the policy than those without the pre-existing condition because I would be a higher risk?
@@KenNickels I missed the blood thinner part in your first question. With a blood thinner you are still being treated for and would not pass underwriting.
@@MedigapSeminars Thanks. So basically I'm stuck with my plan G unless they allow pre existing conitions, which I thought they were going to - at some point.
I’m 64 and have Humana advantage. I couldn’t afford a supplement before but I can now. I have seronegative arthritis. I also take meds for anxiety and depression. I have muscle relaxers I take for back issues because of two surgeries. Would I pass underwriting ? I forgot to add that I use eye drops for glaucoma suspected
i'm confused,i'm 70 wife 67 and has cancer,,can i leave my employers insurance and move on to part b and get a medigap policy,with no problem's(probably not quitting work,but who knows)....thanks
I am to understand this medical underwriting is for traditional Medicare supplements like G and N ,is it also if you wanted to switch to a Medigap C plan too or do they always have to accept you during open enrollment
Medigap Plan C? That is a Medicare supplement available to people who were first eligible for Medicare prior to 2020. Medicare Part C is an Advantage Plan. There is no underwriting for an Advantage plan.
@@MedigapSeminars just checking, I would not want one but wanted all the facts. Thank you very much for your response and time, I’m a year out before enrolling
I went on medicare at 65 years of age 2007.About 2016 my wife lost her job and i had to go employers insurance so she could have coverage.June of 2026 I plan retiring at age 83.Will I be able to obtain a supplemental policy like I had when I first signed up for Medicare without having to go through Medicare underwriting?
I have been on disability for a little over a year. I turned 65 in Jan 2024. I got Medicare A & B with a supplement plan. I just got approved for Medi-cal (Medicaid) full coverage on 03/01/2024 so I have to drop my supplement plan. If a couple years down the road I no longer qualify for medi-cal, can I get a supplement plan again without underwriting.
@@MedigapSeminars Thank you for the response. Has it turns out they messed up on my finances and I was not supposed to qualify for full scope medi-cal. It took me 3 days of phone calls and visiting their offices to finally get everything straight. It's amazing how little Government employees know about their jobs. They took my SSDI amount after Part B premium was deducted and they deducted Part B again.
A Dr. put AFIB on my chart in 2018. It was not AFIB it was a 'regularly irregular' heart beat. I take no meds or blood thinners. Would I pass? This video is a great topic! I would like to know more about how a company is initially selected.
Hi re the mis-diagnosis. You may need to get a current doctor to write a letter indicating you do not have AFIB. That is not difficult, we do this all the time. Regarding choosing a company, I have 1.70 gazzilion videos on the subject. If you subscribe you will be able to find them. Start here: ruclips.net/video/N6_4uJ6ViV4/видео.htmlsi=hw4bifB9VkyRCmQS
When I switched I had a problem being overweight. 310 lbs / 6'0". We "fibbed" a bit declaring 297 lbs and I was accepted 3 or 4 years ago. Now I have developed AFIB and would not qualify for a change any longer. Is it normal to be disqulified for being overweight ?
I would like to change from medicare advantage to medigap coverage. I believe i can pass the underwriting review. I worry about getting a part D coverage. I'm on entiyvio for the last two years or more. It's normally not covered by insurance but after not tolerating the more ordinary medications they approved the payment of this expensive drug. Is there any way I can change and get the special coverage from a new part D insurer that i'm enjoying with my advantage special allowance?
One of the weaknesses of an Advantage Plan HMO or PPO is that you do not have a choice in Part D./ You must accept the plan they bundled for you. Period. However, there are other types of Advantage plans in many (not all) areas that allow you to get your own Part D plan. I suggest exploring that option.
My FIL has low grade prostate cancer under "active surveillance". He's taking no prescriptions for it (they just check his psa every six months) and there is an almost zero chance of it ever spreading...and will probably die of something else. Would that pass underwriting?
Hi. I will turn 65 in June so need to enroll in Medicare here in Michigan. I would not be able to pass underwriting even though my doctors think I will live a normal lifespan. So I realize I will likely have only one chance to pick the best plans possible. I wish to be able to seek care out of state if necessary. So I’m sure that straight MC plus D and supplement is my best bet. Can you tell me about what to look for in choosing which supplement plan is best? Part D as well. I recently put all my meds in then found out this past month that one of my meds just went generic and another name brand med has a competitor that just went generic. I do wonder if choice of part D and supplement plan affect each other as well. I haven’t chosen an agent yet. I assumed I should wait until the open enrollment rush has passed. I’m assuming you sell these plans and get a commission.
Thanks for your informative videos! I have a question regarding Part D and underwriting. Namely, is Part D ever subject to medical underwriting? I’m in the process of getting Medicare and a Medigap N policy. Because I’m on no medications now, I don’t need a part D plan. However, my concern is that if I get some disease in the future that requires some expensive medication, I won’t be able to get a part D plan at that point because of underwriting and/or because at that point I’ll have that disease as a preexisting condition. I realize that for every month I don’t sign up for Part D from the time I’m eligible that my premium is higher by 1% (at least as calculated off of some national baseline). I am comfortable taking on that risk. But do I need to be concerned about an underwriting/ preexisting condition risk as well? Assuming this latter risk doesn’t exist, eventually, when I do want to sign up for Part D for the first time, can I do so at any time, or can I do so only during certain times of the year?
there is no underwriting, but the risk is not just 1% per month compounded for the rest of your life. If you get sick and need a prescription you cannot get Part D until the Annual enrollment, to start in January. I have witnessed several people go bankrupt by making this poor decision. partdshopper.com/ look at how low the premiums are - it's not worth the risk.
I had to decrease my hours of work because I couldn't afford medicare!!!..I'm below poverty level and they still wanted to penalize me!!..so now I'm on a totally FIXED income to meet with full scope medical...WHAT A SHAME TO BE FORCED INTO A PLAN YOU CANT AFFORD BECAUSE YOUR A FEW DOLLARS OVER!!.. ORGANIZATIONS ARE MONEY MAKERS!!
I subscribed to your RUclips channel. About 10 days back I talked to the agent at your office to help me switch to a different Medigap plan knowing that I need to go through underwriting. I was given the insurance company name and phone number to contact them directly.
If you are in a situation where the insurance company may accept you, but will not compensate us for helping you, then we simply let you know who to call. I suspect you are either in a guarantee issue situation or 80 and over. either way, we help you choose a good supplement company. I also know you were told why we couldn't help more than we did. But in superior state of mind decided to make an anonymously public complaint as if you were a victim and not someone we went out of our way to help, for free.
It depends. During the annual enrollment period we have more demand for our time than we have time. My agents are working day, evenings and weekends. If you are in a situation where the insurance company may accept you, but will not compensate us for helping you, then we simply let you know who to call. I suspect the person is either in a guarantee issue situation or 80 and over. either way, we help you choose a good supplement company. We don't make the rules.
When switching medigap insurer with underwriting, can the new insurer request/get the claim history from the current medigap insurer even if one passes the underwriting? Thanks. Love your videos, highly informative.
If the injections (from any condition) are covered by Part D and not Part B, then the underlying issue is not usually a concern. However, any autoimmune disease can be an issue with some insurance companies. We would take a look at your options and choose an insurance company we believe would accept you.
I'm past the 180 days. I'm moving to a state where my current provider doesn't sell coverage. Must they continue to provide coverage to me or do I find a new plan and will there be underwriting?
Medicare supplement plans are good nationwide. If you get bumped, you were in an advantage plan. you can shop supplements if you wish, using your new address: medigapseminars.org/request-a-quote/
I recently switched from a Plan G supplement plan to an Advantage Plan. I'm concerned as I learn more about these plans that they are more risky. Is there a grace period where I can switch back if I'm not happy? I live in CT.
You have a 1-year trial right to go back to your previous policy. Once you have that, you can change to any other supplement without underwriting. I prefer the G-HD is CT
If a person was on Medicare Advantage for a few years and decides to apply for a supplement plan during the annual enrollment period - and was accepted, will that person have guarantee issue rights for the following years? Will that person's rates remain higher as well?
Medicare is the most confusing medical insurance I've run across and precisely when people need more simplicity. National healthcare is a piece of cake in comparison.
if my supplement plan is no longer available next year because the insurance company gets out of the business will i have to medically pass the underwriting process with a new company?
that sucks. If we have an applicant declined, we get them to find out the specific reason for the decline. Sometimes we can find a different insurance company that will be a better fit. We only do a second app if we are confident in its success.
@@MedigapSeminars Nobody likes my combination of medications. Three blood pressure medications seems to be a killer, and I just had a fourth added to the batch. I’m just stuck with whom I’ve got, I guess. Lucky to have them I suppose even with their high premiums.
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
My husband won't pass as he's on several meds for AFIB. Blood thinner among them. Luckily we got a supplement plan by working with your company before these events occurred. We have a Plan G. I pass on your company name and youtube channel info as often as I can. Very helpful thank you!
Thank you for your kind comment. It’s not fun being stuck in any plan, but at least it’s the best health plan.
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
I'm under 62, on SSDI, & have a Medicare supplement plan that I'm stuck with until I turn 65 & can't change without underwriting. Feel like i am penalized because of a chronic, permanent disability i suffered from in 2012 that resulted in going on SSDI. The cost of it has doubled over the last several years & my only choice is to change to a Medicare advantage plan until then. I have been through the worst of our health care system through my experiences. I should have gotten dual citizenship in another country years ago when I had the opportunity where I could have gotten the medical care I needed without it financially ruining me.
Sadly, there is no federal law mandating the availability of Medicare supplement plans to people under 65. Most states do not offer any Medigap plans until a person reaches 65. Other states price under 65 supplement so high, they are not a reasonable solution. It's just the way it is.
@@MedigapSeminarsBlame Congress.😢
Check with BCBS. They have a Medicare Supplement Plan for ppl that are under 65 and disabled. Good luck!
Yes I could certainly pass that.
I would pass, yes. But, not on any plan yet. Still on employer approved coverage. Still about 6 months out, when i turn 67, if all goes according to my plan. Will contact you in February. Appreciate your videos. Thanks Matt!!
Very informative! Luckily I live in a state with guaranteed issue but am sometimes asked questions by relatives in a state where that's not the case so I appreciate knowing what's involved in underwriting. What they learn from the prescriptions you take was especially interesting.
Can you Pass Underwriting? medigapseminars.org/request-a-quote/ Me? Probably pass, but I need to get more exercise to my keep blood pressure down! Aging isn't as fun as it used to be when I was young. **I would like to add that if a person is declined, we ask that they get the exact reason from the insurance company. Sometimes it is due to an error in medical records, sometimes it is due to an issue other insurance companies do not see as a problem. With that information, we can often appeal or try with a company we know will be more lenient.**
That's great! Is there anyway we can see that report ahead of time?
@@Itsme-jv4cd One of our roles is to help people through the underwriting process and hold back an application if a person is not likley to pass. We can certainly go over the medical questions ahead of time.
Your video seminars have helped me so much.
Thank you for watching them
Another fine video Matt. Thank you!!
Glad you enjoyed it!
Yes
I think I can pass. Great information. I need to find a Medi gap policy.
Reach out to us. we can help. medigapseminars.org/contact-us/
Thank you! This is the exact information that I've been looking for!
you are very welcome
No, I have R-arthritis and on 2 meds plus prednisone when I have flares. Trying to get approval for Humira to drop one of the other meds, and no more prednisone. But great video, thats.
Very helpful information, thank you!
You are welcome
Probably a no. I am currently taking medication for hypertrophic cardiomyopathy. Currently on plan N which has been fine. Would consider switching if I could find a lower premium.
Thank you for information.
no. Makes it even more important to choose the right plan first.
What about panic attacks diagnosed 35 years ago? For these, I was placed on Lorazapam as nothing else worked. I have had no problems since then, until some new Dr desides to take me off the Ativan, then I have partial attacks again. They could never diagnose what caused them. And they've run every test in the books. I feel it's due two concussion: one as a kid after a couple of ornery boys kicked large rocks down on me while climbing an iron ore dredge pile after which I suffered a bad concusion and later migraines, but that was in the 50's. The migraines went away when I got through puberty. The other resulted in due to a man running a yield sign and slamming into my car which left me unconsious and being rushed to an Air Force Dr. That was in the early 70's. The Panic attacks came much letter when I was working at the Arizona State Hospital in my early 40's.
There are some drugs on an automatic decline list, which is different for each insurance company. I don't know if Lorazepam is on such a list. That is something we check when doing an application. medigapseminars.org/contact-us/
I wonder if talk therapy would be of help. I am not a dr. But was told Ativan is not a good drug for ‘panic’.
Mr. Classen,I have original Medicare,I need dental insurance, can I get it from you I’m in Texas.I see you are very good ad honest man,you wat to help people seniors like me to save money on insurance and you give advice.God Bless you.
We work with several great dental plans. Reach out to us after AEP (Dec 12th and after) and we will gladly help.
Mr. Classen what is AEP? Why wait after Dec12?Does dental insurance no time frames to register?What can you say about Delta Dental?Is NCD MetLife (ppo?)Thank you and God Bless you.
@@teresitaang2759 Annual Medicare Election Period - October 15-December 07. This is the limited period of time many people on Medicare must make a decision about next years plans. This is moving in or out of Advantage Plans and Part D. We are swammped and must triage
I tried to change my Medigap coverage sure, I was accepted, that wasn’t an issue, but at more than three times the premium I was paying through my original Medigap insurance provider. So changing was cost prohibitive because of one medication I’m taking. I have to stick with my original insurer.
? That doesn't make sense. Prescrioptions are covered through Part D, not the supplement. If you are on a Part B medication like infusions, you are typically denied coverage.
I’m writing on this page because it’s your newest video. To answer your question. I have done my due diligence and picked Medicare Advantage plans simply because of cost. I can’t afford the premium for original Medicare and the cost of a Supplement Plan. I’m retired on Social Security and started Medicare less than one month ago. I live below the poverty level and get food stamps. New York State of health called me and said that I had to get Medicare because of the end of the pandemic emergency ‼️. She also stated that Medicare would be picked up by New York. She just said it might be a couple of months but I will be reimbursed. I can’t wait. I have no savings and will not be able to afford my rent. I live in New York. My question is can I switch to a supplement plan and have NY State of Health pay for it??.
Thank you for your comment. The majority of people who choose a Medicare Advantage plan do so because they cannot afford the supplement premium. The state will not pay for a supplement.
I would pass but my husband would not.We will be sure to get a supplement when he applies for part a and part b
Good. That will be very important. medigapseminars.org/contact-us/
As an add on New York is facing a budget crisis due to the influx from over one hundred thousand refugees. So they are cutting funding for all departments by 15%. No exceptions. Before I could go down to my local office and speak to a case worker. That is not an option now. All you can do is wait on a long line and input your data into the system. There is no one to give you advice or answer your questions. So kind of stuck between a rock 🪨 and a hard place. I have watched many of your videos for information. Like I previously mentioned I have done ✅ my due diligence. I have not called the number because of uncertainty about NY State of Health. The person I spoke to was working from home 🏡. Tx in advance for reading this. Have a great day.
Mr. Classen,I’m a fan of yours. How about dental insurance?Which company or criteria to look for?
We work with a number of dental plans, including one with unlimited coverage. They keep improving every year. medigapseminars.org/does-medicare-cover-dental/
Mom is almost 81 and in WA state. She was on no prescriptions with no major health issues until a severe stroke in July 2023. Hospitalized for several weeks due to dysphasia and had feeding tube placed. Also 1 week for a TIA. Acquired a blood clot due to midline IV placement so has been on Xarelto for a few months. That is supposed to end. Had a couple seizures leading up to the stroke (never had before) and is now on seizure med. Been receiving rehab in SNF and making good progress so will hopefully be home soon. Now uses a walker. Been advised to move her from her Advantage plan to Original Medicare and then supplement with Medicaid. I'm guessing she would not pass underwriting for a Medigap Supplemental for multiple reasons. Any other recommendations other than Medicaid? Would Original Medicare be the best way to go? Thank you and your videos are great and very informative!
There is no way she would qualify if medically underwritten. . There are some states that have perpetual open enrollment for supplements or other special rules. The most common are CT, NY and VM
THanks for the info.
you are welcome
i would pass all you mentioned but I didn't hear any questions pertaining to smoking. what can you tell me about that.
Smoking is bad for you. Other than that, it will increase your insurance rate somewhat, but not result in a decline. medigapseminars.org/contact-us/
Thanks for the video. I am 67, new to Part B and supplement effective Jan 2024. You speak about diabetes but do not distinguish between type 1 and type 2. I have type 1 (for 28 years now) and thus have to be on insulin to stay alive as well as a continuous glucose monitor and an insulin pump to keep good control. I am in tight control with an A1c below 6.0 and have no complications. What has been your experience with folks who have Type 1 Diabetes and the underwriting process? Thank you.
I was part of the 20 percent and had no major medical issues but I was not 65 years old.
Where you younger or older than 65?
@@trigger2142 70's
There are many issues that can decline you that most of us do not see as major because we still feel healthy.
@MedigapSeminars 3:22. Hi My Mother in Law had Medicare and Tricate... She was talked in ti Humsns that replaced her government Medicare Plan. I think is a bad choice. Please tell me your opinion. Ty!
@@ctwilk1 I did an entire video and wrote an article on that scam. Please watch: medigapseminars.org/how-medicare-works-with-tricare-for-life/
Yes
I signed up for plan G knowing the company I choose would be for life due to heart valve replacement and the drugs I take. I don't have the option to change
Hard to find this information. Thank you .
Glad it was helpful!
Love your videos. Very informative. I live in California and I was wondering. If I got a Medigap policy through a broker and I want to change my policy on my birthday, do I have to use the same broker or can I change to a different broker?
California Birthday Rule, like all birthday rule policy changes, is considered a Guaranteed Issue plan. Because it is guaranteed issue, insurance companies do not pay the agent. Because insurance companies do not pay the agent, birthday rule changes is not a service we offer. If you can pass underwriting and want a new policy any other time of year, we can help.
I am so grateful for your site as I'm binge watching all your videos and just say this one. I'm confused by something I just read after signing up for a part D, and then planning on going with a G plan which in Georgia has prescription discounts. I chose that plan as it has nurse liine, and Renew Active (analagous to silver sneakers).. what the government site states is....
It states on the federal site " If your Medigap policy covers prescription drugs, you must tell your Medigap
insurance company when you join a Medicare drug plan so it can remove the
prescription drug coverage from your Medigap policy and adjust your premium.
Once the drug coverage is removed, you can’t get that coverage back even though
you didn’t change Medigap policies"
Oh dear! Does my state of Georgia, if I sign up for the most popular one, not allow a D coverage if I sign up for this one? And if not allowed, I'll be penalized in the future for not having?
🙂 no one can accuse the government of being clear and helpful. That comment references Plan J that went the way of Plan F in 2010. Since 2010, no Medicare supplement includes drug coverage. Are you considering using us for your supplement? medigapseminars.org/contact-us/
@@MedigapSeminars Yes! But I'm one of those folks that wants to learn before I waste the time of your folks for an hour on the phone with all the questions I have! I'm drilling down on decision due to YOU, and will call when I get down to such. Seriously, your videos are great as I had over 50 questions, and then more after learning that I don't want to challenge an agent to answer all 50! I'll get with your folk in less than 2 months!
I can pass underwriting. I have plan G, would like to discuss plan N.
Great, reach out to us here and we can help: medigapseminars.org/contact-us/
no ... due to current Cancer infusions.
I thought that when you are new to Medicare there is a trial right where you can change from Advantage to Medigap without underwriting
In this video I heard 6 months ?
Please clarify
The trial right you are referring to is IF you purchased a Medicare Advantage Plan during your initial enrollment period when you turned 65, you have a 1-year trial right to switch. Otherwise, your Medicare supplement initial enrollment period is the first 180-days on Part B.
I had a TIA over 10 years ago with no incident since then. I am treated for high blood pressure and cholesterol with no change in prescriptions for many years. My lab numbers always look good with annual physicals. Could the TIA result in a decline for Medigap insurance?
How does one get a copy of their own MIB report for review to ensure correctness? (like getting your free credit report). Is there an agency website to file to get such? I've subscribed and done a binge watch of all your videos, thanks so much!
Here I believe: mib.com/ Binge watching my videos?! I am so sorry. 😂
@@MedigapSeminars It's fabulous to binge watch your videos to not forget as you move from one subject to another! (Plus, I don't have Netflix or Disney Plus, so can't binge watch them as my family member do lol)
@@barleyhops38 🙂
I am thinking I need to leave the advantage plan I am on due to my RV travel around the US 6 months out of the year. My medications are for insomnia, mild depression, and slightly high cholesterol. I have sleep apnea successfully treated with a CPAP. Any issues there?
The CPAP may be an issue with some insurance companies. We would need to look for a good fit for you. medigapseminars.org/contact-us/
Yes I can pass the evaluation
great!
Can Pass. Thanks.
you are welcome.
yes
Now, after watching this video I don't think I will. I have had bladder cancer. Small tumors that were removed in surgery. Immunotherapy treatments after. Other than that I take no prescription medications, no Bp, no diabetes. .
If you have been declared cancer free for at least 2-years, you may still pass underwriting. If you are continueing immunotherapy, then maybe not.
Submitted an app for Part N was denied with Mutual OF Omaha holding on to Part G -
Plan G is a good plan to be stuck with. If we have an applicant declined, we get them to find out the specific reason for the decline. Sometimes we can find a different insurance company that will be a better fit.
It makes no sense that you can not switch medigap plans in some states with the same insurance company is already covering you and aware of your medical conditions. If I wanted to go to plan n from g with same company that company is not taking on any additional risk.
Female 75 yrs old…. Ischemic stroke survivor (5 years ago). Would I qualify for a Medicare Supplement?
Probably. Unless there is some other issue. medigapseminars.org/contact-us/
Can I pass?
Low grade prostate cancer diagnosed 15+ years ago. Been on active surveillance (no 'treatment') ever since. Last year had genome testing done as PSA crept up over 4.0. Results proved it's a non-aggressive form of pC and unlikely to grow/spread any faster than it has over the last 15 years...which is almost none at all. Oncologist recommended staying with Active Surveillance and NOT getting any treatment at this time. So YES, I have cancer and NO, I haven't had any treatment/Rx for well over 2 years. How do they view this for medical underwriting purposes?
you need to be cancer free for at least 2 years
I was prescribed 10mg Xarelto after a DVT 5 years ago due to Factor Leiden V. I'm otherwise healthy, no other meds and in shape. I'm a few months short of 65 and considering plans G & hdG. There is $120.00 per month difference here in Florida. I'm currently leaning towards hdG as it appears it will be close to a break even point even if I had to pay thedeductible every 2 years due to health issues.
Can I assume I will have no chance of passing underwriting in the future if I wanted to move to a G plan?
I appreciate all of your video content, its been very helpful. Thank you
DVT? Deep Vein Thrombosis? That would not get through underwriting. The G-HD or Plan N are great plans in Florida. Those are the two you should compare. The key is getting the right insurance company. medigapseminars.org/contact-us/
@@MedigapSeminars
Thank you for the reply. I will reach out to you regarding this consideration.
Do they consider Basal Cell skin cancer as “cancer “ other than that I am clean, and not on any medication
Basal Cell is not considered cancer for insurance purposes.
Are we allowed to see our MIB ? I have a feeling the UHC House calls nurse that came to visit made up some fake diagnoses. At the time she came to visit my thumb was hurting from shoveling. She didn't look at my thumb nor did she touch it but she said I had arthritis. The pain went away within 2 weeks. She asked if I had the Dexa scan I said I was going to get. Then she asked if it showed osteoporosis.I said no but the bone density was decreased from the one I had 15 years ago. So she diagnosed me with osteopenia without ever seeing the scan results. I think Medicare Advantage gets more money if they can comes up with mire diagnoses.
yes, as long as you have applied for health insurance and been underwritten in the last 6 months or a year. mib.com/facts_about_mib.html
Would I have to be underwritten to change from Plan G to Plan N? I have had a CABG surgery 2 yrs prior and is all under control. I am healthier now than before. Doc put me on a blood thinner out of abundance of caution. The Plan D drugs are expensive but that is separate from Supplement Insurance, yes? Thank you.
In all but a few states, such a change would require underwriting.
@@MedigapSeminars Thanks for your response, Matt. Now, if the underwriting gave me the green light would they charge me a higher premium for the policy than those without the pre-existing condition because I would be a higher risk?
@@KenNickels I missed the blood thinner part in your first question. With a blood thinner you are still being treated for and would not pass underwriting.
@@MedigapSeminars Thanks. So basically I'm stuck with my plan G unless they allow pre existing conitions, which I thought they were going to - at some point.
I’m 64 and have Humana advantage. I couldn’t afford a supplement before but I can now. I have seronegative arthritis. I also take meds for anxiety and depression. I have muscle relaxers I take for back issues because of two surgeries. Would I pass underwriting ? I forgot to add that I use eye drops for glaucoma suspected
yes
i'm confused,i'm 70 wife 67 and has cancer,,can i leave my employers insurance and move on to part b and get a medigap policy,with no problem's(probably not quitting work,but who knows)....thanks
Do you have a question? Please reach out to us, we can help. medigapseminars.org/contact-us/
no I have COPD and kidney disease
Is creating kidney stones on a fairly regular basis such as every 2 to 5 years surgery to remove or break up stones considered kidney disease?
no
So Medicare supplement underwriting determines whether you pass or fail (declined coverage) and also the premium you will pay?
I am to understand this medical underwriting is for traditional Medicare supplements like G and N ,is it also if you wanted to switch to a Medigap C plan too or do they always have to accept you during open enrollment
My understanding is that one can switch to Advantage plans without underwriting..now wonder why :-)
Medigap Plan C? That is a Medicare supplement available to people who were first eligible for Medicare prior to 2020. Medicare Part C is an Advantage Plan. There is no underwriting for an Advantage plan.
@@sprd2thin Because the US Government pays the Advantage plan company between $1,000 and $1,800 a month for every person on their Advantage plan.
@@MedigapSeminars just checking, I would not want one but wanted all the facts. Thank you very much for your response and time, I’m a year out before enrolling
I went on medicare at 65 years of age 2007.About 2016 my wife lost her job and i had to go employers insurance so she could have coverage.June of 2026 I plan retiring at age 83.Will I be able to obtain a supplemental policy like I had when I first signed up for Medicare without having to go through Medicare underwriting?
if you qualify medically, yes. If not, no.
I have been on disability for a little over a year. I turned 65 in Jan 2024. I got Medicare A & B with a supplement plan. I just got approved for Medi-cal (Medicaid) full coverage on 03/01/2024 so I have to drop my supplement plan. If a couple years down the road I no longer qualify for medi-cal, can I get a supplement plan again without underwriting.
you cannot have a supplement while on Medicaid. YOu may be able to "suspend" your supplement temporarily.
@@MedigapSeminars Thank you for the response. Has it turns out they messed up on my finances and I was not supposed to qualify for full scope medi-cal. It took me 3 days of phone calls and visiting their offices to finally get everything straight. It's amazing how little Government employees know about their jobs. They took my SSDI amount after Part B premium was deducted and they deducted Part B again.
A Dr. put AFIB on my chart in 2018. It was not AFIB it was a 'regularly irregular' heart beat.
I take no meds or blood thinners. Would I pass?
This video is a great topic!
I would like to know more about how a company is initially selected.
Hi re the mis-diagnosis. You may need to get a current doctor to write a letter indicating you do not have AFIB. That is not difficult, we do this all the time. Regarding choosing a company, I have 1.70 gazzilion videos on the subject. If you subscribe you will be able to find them. Start here: ruclips.net/video/N6_4uJ6ViV4/видео.htmlsi=hw4bifB9VkyRCmQS
When I switched I had a problem being overweight. 310 lbs / 6'0". We "fibbed" a bit declaring 297 lbs and I was accepted 3 or 4 years ago. Now I have developed AFIB and would not qualify for a change any longer. Is it normal to be disqulified for being overweight ?
NO- they must prove an intentional "lie" and they have 24 months from the date of the application to prove it.
If you’re not on any medication and are healthy but overweight will they disqualify you
It is more likely you would be rated, charged a higher price
Wow, I didn’t know there could be different rates
I would like to change from medicare advantage to medigap coverage. I believe i can pass the underwriting review. I worry about getting a part D coverage. I'm on entiyvio for the last two years or more. It's normally not covered by insurance but after not tolerating the more ordinary medications they approved the payment of this expensive drug. Is there any way I can change and get the special coverage from a new part D insurer that i'm enjoying with my advantage special allowance?
One of the weaknesses of an Advantage Plan HMO or PPO is that you do not have a choice in Part D./ You must accept the plan they bundled for you. Period. However, there are other types of Advantage plans in many (not all) areas that allow you to get your own Part D plan. I suggest exploring that option.
My FIL has low grade prostate cancer under "active surveillance". He's taking no prescriptions for it (they just check his psa every six months) and there is an almost zero chance of it ever spreading...and will probably die of something else. Would that pass underwriting?
I do not believe he would pass
Hi.
I will turn 65 in June so need to enroll in Medicare here in Michigan. I would not be able to pass underwriting even though my doctors think I will live a normal lifespan. So I realize I will likely have only one chance to pick the best plans possible. I wish to be able to seek care out of state if necessary. So I’m sure that straight MC plus D and supplement is my best bet.
Can you tell me about what to look for in choosing which supplement plan is best? Part D as well. I recently put all my meds in then found out this past month that one of my meds just went generic and another name brand med has a competitor that just went generic. I do wonder if choice of part D and supplement plan affect each other as well.
I haven’t chosen an agent yet. I assumed I should wait until the open enrollment rush has passed.
I’m assuming you sell these plans and get a commission.
Why would you want to the research alone when you can use me and my team to help you? medigapseminars.org/contact-us/
I HAVE AFIB WOULD I PASS
unfortunately, no.
THANK YOU FOR YOUR ANSWER
Thanks for your informative videos!
I have a question regarding Part D and underwriting. Namely, is Part D ever subject to medical underwriting?
I’m in the process of getting Medicare and a Medigap N policy. Because I’m on no medications now, I don’t need a part D plan. However, my concern is that if I get some disease in the future that requires some expensive medication, I won’t be able to get a part D plan at that point because of underwriting and/or because at that point I’ll have that disease as a preexisting condition.
I realize that for every month I don’t sign up for Part D from the time I’m eligible that my premium is higher by 1% (at least as calculated off of some national baseline). I am comfortable taking on that risk. But do I need to be concerned about an underwriting/ preexisting condition risk as well?
Assuming this latter risk doesn’t exist, eventually, when I do want to sign up for Part D for the first time, can I do so at any time, or can I do so only during certain times of the year?
there is no underwriting, but the risk is not just 1% per month compounded for the rest of your life. If you get sick and need a prescription you cannot get Part D until the Annual enrollment, to start in January. I have witnessed several people go bankrupt by making this poor decision. partdshopper.com/ look at how low the premiums are - it's not worth the risk.
@@MedigapSeminars Thanks very much !
I had to decrease my hours of work because I couldn't afford medicare!!!..I'm below poverty level and they still wanted to penalize me!!..so now I'm on a totally FIXED income to meet with full scope medical...WHAT A SHAME TO BE FORCED INTO A PLAN YOU CANT AFFORD BECAUSE YOUR A FEW DOLLARS OVER!!..
ORGANIZATIONS ARE MONEY MAKERS!!
I subscribed to your RUclips channel. About 10 days back I talked to the agent at your office to help me switch to a different Medigap plan knowing that I need to go through underwriting. I was given the insurance company name and phone number to contact them directly.
That's not good!
If you are in a situation where the insurance company may accept you, but will not compensate us for helping you, then we simply let you know who to call. I suspect you are either in a guarantee issue situation or 80 and over. either way, we help you choose a good supplement company. I also know you were told why we couldn't help more than we did. But in superior state of mind decided to make an anonymously public complaint as if you were a victim and not someone we went out of our way to help, for free.
It depends. During the annual enrollment period we have more demand for our time than we have time. My agents are working day, evenings and weekends. If you are in a situation where the insurance company may accept you, but will not compensate us for helping you, then we simply let you know who to call. I suspect the person is either in a guarantee issue situation or 80 and over. either way, we help you choose a good supplement company. We don't make the rules.
When switching medigap insurer with underwriting, can the new insurer request/get the claim history from the current medigap insurer even if one passes the underwriting? Thanks. Love your videos, highly informative.
No, they cannot do so directly.. They can only look at health history (which probably includes claims history)
Would a person with Psoriatic Arthritis who is on Humira pen injections twice a month be a NO GO ???
If the injections (from any condition) are covered by Part D and not Part B, then the underlying issue is not usually a concern. However, any autoimmune disease can be an issue with some insurance companies. We would take a look at your options and choose an insurance company we believe would accept you.
@@MedigapSeminars I will have to call your number, I do not turn 65 until April.
I'm past the 180 days. I'm moving to a state where my current provider doesn't sell coverage. Must they continue to provide coverage to me or do I find a new plan and will there be underwriting?
Medicare supplement plans are good nationwide. If you get bumped, you were in an advantage plan. you can shop supplements if you wish, using your new address: medigapseminars.org/request-a-quote/
I recently switched from a Plan G supplement plan to an Advantage Plan. I'm concerned as I learn more about these plans that they are more risky. Is there a grace period where I can switch back if I'm not happy? I live in CT.
You have a 1-year trial right to go back to your previous policy. Once you have that, you can change to any other supplement without underwriting. I prefer the G-HD is CT
Thank you.
@@MedigapSeminars
If a person was on Medicare Advantage for a few years and decides to apply for a supplement plan during the annual enrollment period - and was accepted, will that person have guarantee issue rights for the following years? Will that person's rates remain higher as well?
There is no annual enrollment period for a supplement plan. Only for an Advantage plan. You can sign up for a supplement plan anytime you want
@@johnurban7333 I must be mistaken. I thought what you said only applies for those who already are on a supplement plan.
You would not have any guarantee issue right under the situation you describe. Rates? They seldom go down.
@@dq7143 true or just starting Medicare
I can, I never use them!
Medicare is the most confusing medical insurance I've run across and precisely when people need more simplicity. National healthcare is a piece of cake in comparison.
If you fail medical underwriting will the information be posted on the MIB or other insurance databases? Thanks
no.
if my supplement plan is no longer available next year because the insurance company gets out of the business will i have to medically pass the underwriting process with a new company?
If you ever lose a Medicare plan through no fault of your own, you will have a guaranteed issue right to replace your plan.
I don't know
We can help you find out, and it won't cost a dime. medigapseminars.org/contact-us/
no
nope. failed twice this year.
that sucks. If we have an applicant declined, we get them to find out the specific reason for the decline. Sometimes we can find a different insurance company that will be a better fit. We only do a second app if we are confident in its success.
@@MedigapSeminars Nobody likes my combination of medications. Three blood pressure medications seems to be a killer, and I just had a fourth added to the batch. I’m just stuck with whom I’ve got, I guess. Lucky to have them I suppose even with their high premiums.
No
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
Yes
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
Implanted medical devices like a defibrillator or pacemaker are always a decline.
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
He would not pass underwriting. Sorry.
My husband is 67 and was diagnosed with asymptomatic heart failure for which he had a pacemaker/defibrillator installed in 2018. He is on Entresto. You would never know he had heart issues, walks 2-3 miles regularly. Does this matter with the underwriter? He is currently on an Advantage plan and would like to switch to a Medigap plan if possible. What’s his likelihood of being turned down? We don’t want to waste time if this is a deal breaker. Thanks you for these videos!
Yes
Yes