Ideas on Best Medicare Supplement Plans
 

Anyone have any suggestions on the best Medicare Supplement Plans especially for someone who has cancer.

Thanks,

aj

You know if you're under 65 you cannot get a medicare supplemental plan with a condtion such as cancer. (Well if you have been treated for it in the last 5 years) Only an Advantage plan...

If you are under 65 you can't get Medicare unless you are disabled. Therefore, you can not get a supplemental policy or an advantage plan. My understanding was, when we went with AARP United Healthcare's Supplemental plan at age 65, any pre-existing condition (such as cancer) could not be used to deny coverage. In fact, if I recall correctly, they couldn't even ask such questions on the application. I believe that you are given this benefit once, the first time you apply for a supplemental policy. As for Medicare Advantage Plans I had no problem being accepted last year. I had been diagnosed and treated for cancer 3 years before I turned 65. So, if I decide in the future to go back to a supplemental policy, the insurance company WILL have the right to then ask me about any pre-existing conditions. At that point they can deny me coverage and/or slap me with high premiums. This is one big reason why we should carefully consider leaving any supplemental policy. I had to give it a lot of thought when I was thinking about switching to an advantage plan. I hope this helps.