What are the Guaranteed Issue Rules for when you are
new to Medicare as you’ve turned 65?

Guaranteed Acceptance Guide
Rev 9.2019
Blue Shield CALIFORNIA 

This is just a summary of the major reasons.  Check this entire page and website for all situations and Insurance Carriers.

Enrolled in Medicare and are age 65 or older; or  New to Medicare, are age 64 or younger, and do not have end-stage renal disease

You enrolled with  A Medicare Advantage Plan and the plan is being terminated;

terminated from any employer-sponsored health plan,

moved outside the plan’s service area.

disenrolled from the plan or program within twelve (12) months of the effective date of that enrollment.

You terminated enrollment in a Medicare Supplement plan and subsequently enrolled, for the first time, in any of the following:
• A Medicare Advantage Plan;

MAPD Trial Privileges #02110 Medi-Gap Guide

The company substantially violated a material provision of the contract; or

The company or its agent materially misrepresented a provision of the plan in marketing the contract to you.

You enrolled in a Blue Shield Medicare Advantage Plan, and Blue Shield either:
Reduced any of its benefits;
Increased the amount of cost-sharing or premium; 

You are no longer eligible for Medi-Cal benefits.

References:

CA Health Care Advocates
Federal Choosing a Medi Gap Policy  #02110
Guaranteed Acceptance Guide Blue Shield

Blue Shield Authorized Agent
No extra charge to you -
Click to learn more and enroll online

blue.shield.logo.

Paper Application 65 Insipre, Plus, Choice & Trio
Medi Gap 

Click here to set a phone, skype or face to face complementary consultation

Get Plan Documents 
Be sure though to use THIS link to enroll, so we get paid for helping you!

Here’s Blue Shield rule from their Guaranteed Issue Guide:

Situation 1 You are:

Enrolled in Medicare and are age 65 or older; or

• New to Medicare, are age 64 or younger, and do not have end-stage renal disease

Your plan choices Plan A, C, D, F, High Deductible F, K, or N When to apply

• If you are age 65 or older: Blue Shield must receive your application within six (6) months, beginning with the first day of the first month in which you are both age 65 or older, and you are enrolled for benefits under Medicare Part B.

• If you are age 64 or younger: Blue Shield must receive your application within six (6) months of your enrollment in Medicare Part B, or if you are notified retroactively of eligibility for Medicare, within six (6) months of notice of eligibility.

You must supply this documentation Be sure to fill out the following sections of your enrollment application:

• Medicare Parts A and B effective dates and your Medicare number.

• In addition, if you are age 64 or younger, please complete the Current Insurance Coverage information section indicating you do not have end-stage renal disease. Guaranteed Issue Guide

When’s the best time to buy a Medigap policy?

The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B.  Publication 02110 Page 14 

Medigap Open Enrollment Period

A one‑time‑only, 6‑month period when federal law allows you to buy any Medigap policy you want that’s sold in your state. It starts in the first month that you’re covered under Medicare Part B, and you’re 65 or older. During this period, you can’t be denied a Medigap policy or charged more due to past or present health problems. Some states may have additional Open Enrollment rights under state law. Publication 02110 Page 45 

 

Get Instant Quotes from All Companies!

 

MediGap Plans from Anthem Blue Cross –
Click for Information and ONLINE enrollment

bc.medigap

4 comments on “Turn Age 65

  1. 1 Is it true that one has to sign up for a Medigap plan within 6 months of starting Medicare?

    2 I will be starting in June, [that’s when I turn 65] so can I wait until November to sign up for a Medi-gap plan ? (to save money?)

    • 1 Yes, see above for details

      2 Yes, if I’m counting on my fingers correctly. Your six months would start in June.

      I do not recommend that you wait. If this is your plan, you might be better off finding another agent to help you. Purposely waiting can only lead to a malpractice claim and a major hurt to your pocket book. If one knew when they were going to have a claim or be in an accident, they just wouldn’t leave the house that day.

      Will your next question be, how long can you wait to sign up for Part B?

      3 months after the month you turn 65. That would save you $134/month.

      If you are on a budget, how about Hi F? You pay the first 2k of bills, not paid by Medicare A or B and you save around $100/month on premium. Get quotes and enroll online.

Leave a Reply

Your email address will not be published.

wp-puzzle.com logo