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-   Medical and Health Discussion (https://www.talkofthevillages.com/forums/medical-health-discussion-94/)
-   -   Health need check and read (https://www.talkofthevillages.com/forums/medical-health-discussion-94/health-need-check-read-202208/)

gerryh1943 07-20-2016 09:47 PM

Health need check and read
 
Today I made a call to BCBS which is my supplement that I choose plain F and ask if I change my plan and I am not happy after a year can I go back to my supplement, the told me that if nothing change in my health I have to fill out a aplacation and only then if nothing changes with my health they will accept you. Now is that the choice you want to make. Please everyone check and check to see if you make the right move

glwcww 07-20-2016 09:53 PM

Good info....not sure we'd want to take that chance....

rubicon 07-21-2016 05:14 AM

Quote:

Originally Posted by gerryh1943 (Post 1257237)
Today I made a call to BCBS which is my supplement that I choose plain F and ask if I change my plan and I am not happy after a year can I go back to my supplement, the told me that if nothing change in my health I have to fill out a aplacation and only then if nothing changes with my health they will accept you. Now is that the choice you want to make. Please everyone check and check to see if you make the right move

We also have that plan and we were told if we left the plan and then wanted to return we would be subjected to ïnsurability rules (ie subject t pre-existing conditions exclusions).

We have been with this plan for several years and it has worked well for us

golfing eagles 07-21-2016 05:33 AM

Quote:

Originally Posted by rubicon (Post 1257265)
We also have that plan and we were told if we left the plan and then wanted to return we would be subjected to ïnsurability rules (ie subject t pre-existing conditions exclusions).

We have been with this plan for several years and it has worked well for us


Funny, I had thought Obamacare eliminated any pre-existing condition restrictions. Sort of like "if you like your doctor....."

Carla B 07-21-2016 07:47 AM

Quote:

Originally Posted by rubicon (Post 1257265)
We also have that plan and we were told if we left the plan and then wanted to return we would be subjected to ïnsurability rules (ie subject t pre-existing conditions exclusions).

We have been with this plan for several years and it has worked well for us

That's correct, unless you lose your insurance plan INVOLUNTARILY. We left our previous plan voluntarily five years ago and had to prove insurability. I applied first, then my husband applied after he could answer the health questions satisfactorily. So if you switch to Medicare Advantage you won't be able to return to Medigap if you wait until your health deteriorates.


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