Rule allows you to sign up for Medigap
In the past, some people newly eligible for Medicare kept their private individual
health plans to supplement their Medicare coverage. They may be among the Oregonians
whose individual plans either ended Dec. 31, 2013, or will end some time in
2014 as health care reform ushers in new plans with more benefits.
New rule: An emergency rule gives these Medicare recipients
a one-time opportunity to buy a standardized Medicare Supplement policy. People
have 63 days from the date their individual plan ends to enroll in supplemental
- Medicare doesn’t pay all the costs of medical care, so many people buy
Medicare Supplement insurance (called a Medigap plan) to pay some or most
of the gaps in coverage.
- This rule allows people to buy any Medigap plan a company sells, regardless
of health, for the same price as people with good health. Normally, Medigap
insurance companies can review a person’s medical health to decide whether
to accept them and how much to charge.
- The loss of the individual plan also gives people an opportunity to buy
Medicare prescription drug coverage.
People who have questions about the rule or how to shop for a Medigap plan
or prescription drug coverage can contact:
- An insurance agent who sells Medicare insurance
- An insurance company
- The state’s Senior Health Insurance Benefits Assistance program.The state
program uses certified volunteer counselors to help people with Medicare
questions. Call 1-800-722-4134 (toll-free).