• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
    4/05/2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
    9/19/2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
    6/15/2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
    4/30/2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
    12/07/2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
    11/07/2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
    9/27/2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    5/12/2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
    9/18/2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche
    8/07/2016

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7 Ways to Qualify for Medigap Guaranteed Issue

 

7 Ways to Qualify for Medigap Guaranteed Issue

Medigap plans or Medicare Supplemental insurance plans are used to fill in the gaps to Original Medicare. You can enroll in a Medigap plan throughout the year. There are situations where you may qualify for a Medicare Supplement policy without being declined for health reasons. Known as Guaranteed Issue Rights, this can be an optimal time to buy a Medigap Policy. Below are seven opportunities for Medigap Guaranteed Issue.

 

Wondering if you can qualify for Medigap Guaranteed Issue Rights?

7 Ways to Qualify for Medigap Guaranteed Issue1) Losing Medicare Advantage Plan

If you enrolled in a Medicare Advantage plan and your plan is no longer available in your area or you move where your plan is no longer accepted, you may qualify.

You can apply for a Medigap Plan as early as 60 calendar days before the date your health care coverage will expire, but not after 63 calendar days.  On the 64th day after your Medicare Advantage coverage ends, you will no longer be eligible for Guaranteed Issue.  You can still apply for a Medigap Plan, but will have to answer the application’s health questions.

 

2) Employer group coverage ends

If you have original Medicare and your coverage under a group health plan through your employer is ending, you may qualify.

You have to apply for a Medigap Plan no later than 63 calendar days after the latest of these dates:

  1. The date the health coverage expires.
  2. The date on the notice you receive informing you that coverage is ending.
  3. The date on a claim denial (if this happens to be the only way you know coverage expired).

3)  You move out of coverage area

If you have a Medicare SELECT plan and are moving out of the coverage area, you may be eligible for Guaranteed Issue Rights.

You can apply for a Medigap plan as early as 60 days before the date your Medicare SELECT coverage expires, but not later than 63 days after your coverage ends. On the 64th day after your Medicare SELECT coverage ends, you will no longer be eligible for Guaranteed Issue.  You can still apply for a Medigap Plan, but will have to answer the application’s health questions.  On the 64th day, you may no longer be eligible for Guaranteed Issue.  You can still apply for a Medigap Plan,but will have to answer health questions on the insurance application.

4)  Trial Right for Medicare Advantage Plan or PACE

Those that joined a Medicare Advantage Plan (MAPD) or Programs of All-inclusive Care for the Elderly (PACE) when they were first eligible for Medicare Part A at age 65. You may switch back to Original Medicare within the first year of joining either plan (MAPD or (PACE).

Once you are back on original Medicare, you have the right to buy any Medigap policy sold in your state.  You may purchase a plan by any insurance company that offers Medicare Supplement insurance.  Like other Guaranteed Issue Right situations, you can apply as early as 60 calendar days before coverage expires, but not after 63 days. On the 64th day, you may no longer be eligible for Guaranteed Issue.  You can still apply for a Medigap Plan, but will have to answer health questions on the insurance application.

5)  Under Trial Right, you cancelled a Medigap Policy to join Medicare Advantage or SELECT

If you cancelled your Medigap Policy to join a Medicare Advantage Plan or Medicare SELECT plan for the first time (and you’ve been in the plan less than a year), you may be eligible for Guaranteed Issue Rights.

Important Notes about this Trial Right

You will get back the same Medigap policy you had before joining the Medicare Advantage or Medicare SELECT plan.  If the same insurance company you had no longer has this plan available, you can buy a Medigap Plan.  The plans that are available and sold in your state are A, B, C, F, K, or L. Your application must be submitted no later than 63 days from the date your coverage expired.    On the 64th day, you may no longer be eligible for Guaranteed Issue.  You can still apply for a Medigap Plan, but will have to answer health questions on the insurance application.

6)  Your Medigap Company stops providing service

If your Medigap insurance company is no longer available due to bankruptcy, going out of business, etc. you may be eligible for Guaranteed Issue Rights since the policy coverage ended through no fault of your own.

What can you buy?

Medigap Plan A, B, C, F, K or L are available if sold in your state by any insurance company.  Your application must be submitted no later than 63 days from the date your coverage expired.  On the 64th day, you may no longer be eligible for Guaranteed Issue. You can still apply for a Medigap Plan, but will have to answer health questions on the insurance application.

7) Your Medigap or Medicare Advantage company breaks the rules

If a Medigap or Medicare Advantage Plan company hasn’t followed rules set by Medicare, Guaranteed Issue Rights may be available to you.

What are your Medigap options?

Medigap Plan A, B, C, F, K or L are available if sold in your state by any insurance company. Your application must be submitted no later than 63 days from the date your coverage expired.    On the 64th day, you may no longer be eligible for Guaranteed Issue.  You can still apply for a Medigap Plan, but will have to answer health questions on the insurance application.

One more reason you might qualify for Medigap Guaranteed Issue.

If you live in California or Oregon, you have an additional opportunity for Guaranteed Issue. It’s called the Birthday Rule and applies if you already have Medigap Insurance.

To find out if you qualify for one of the seven opportunities for Medigap Guaranteed Issue, you can contact your state’s Department of Insurance or call us at 1-888-411-1329.

 

Call (888) 411-1329 for your free consultation today!

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