Medigap Plans
Humana
● 1st month payment Due 3-5 days after submitting application. Wont pay another bill until 2nd month
●Payment Options: Coupon Book or ACH (1st payment has to be Credit/Debit card or ACH info)
United Healthcare
● No Payment due at time of application. Defer to coupon book and $2 discount will be applied once they setup EFT payment prior to it going into effect.
● Payment Options: Coupon Book or ACH (1st payment is due before plan goes effective) no card or banking info needed at time of application.
Aetna
● 1st month payment Due 3-5 days after submitting application. Wont pay another bill until 2nd month
●Payment Options: Coupon Book or ACH (1st payment has to be Credit/Debit card or ACH info)
Mutual Of Omaha
● 1st month payment Due 3-5 days after submitting application. Wont pay another bill until 2nd month
●Payment Options: Coupon Book or ACH (1st payment has to be Credit/Debit card or ACH info)
Medicare Supplement (Medigap) policies have specific guaranteed issue (GI) rights and special rules that vary by state. Here’s a breakdown of some key state-specific rules:
**Birthday rules allow Medigap policyholders to switch to another plan of equal or lesser benefits around their birthday without undergoing medical underwriting. States with birthday rules include:
- California: 91-day open enrollment period around your birthday.
- Idaho: 63-day period starting on your birthday.
- Illinois: 45-day period starting on your birthday, applicable to policyholders aged 65-75.
-Kentucky: 30 days prior to bday and extending 60 days past bday.
- Louisiana: 63-day period around your birthday.
- Oregon: 30-day period starting on the first day of your birth month.
- Nevada: 61-day period starting on your birthday.
- Maryland: 30-day window starting on your birthday.
- Oklahoma: 60-day period starting on your birthday.
**Annual Guaranteed Issue States:
These states provide annual opportunities to switch Medigap plans:
- Missouri: 62-day period surrounding the policy anniversary date.
- Washington , Connecticut, & New York: Allows year-round policy changes to plans of like or lesser benefits. No Health Underwriting Year-Round.
Massachusetts: GI during February 1 through March 31 annually.
ALL STATES ARE GI RULES FOR EVERYONE SIGNING UP FOR MEDICARE FOR THE FIRST TIME- APPLICATION CAN TYPICALLY BE WRITEN 6 MONTHS IN ADVANCED.
