Medicare is a valuable benefit, but it doesn't pay for everything. If you have Medicare alone, there's a chance you could be left with a real burden of covering the 20% that Medicare usually leaves behind. Our Medicare supplement insurance plans can help reduce these out-of-pocket costs when you need medical care. With our Medicare supplement insurance, you get Midwest-based customer support that is ready to help you.
Benefits and premiums under the policy may be suspended for up to 24 months if you become entitled to benefits under Medicaid. You must request that policy be suspended within 90 days of becoming entitled to Medicaid. If you lose (or are no longer entitled to) benefits from Medicaid, this policy can be reinstated if you request reinstatement within 90 days of the loss of such benefits and pay the required premium.
There is an open enrollment period for Medicare supplement plans that is a six-month period during which you may buy any Medicare supplement plan offered in Texas. During this time, we must sell you a policy, even if you have health problems. The open enrollment period is a six-month period that begins on the first day of the month in which you are 65 or older and enrolled in Medicare Part B. If you are on Medicare and under age 65, you will have a six-month open enrollment period beginning the month you turn age 65. If you have and questions or would like additional information, please contact us at 1-800-236-8809.
Although we must sell you a policy during your open enrollment period, we may require a waiting period of up to six months before covering your pre-existing conditions. There is no waiting period if you are 65 or older and had prior coverage. You are not covered for pre-existing conditions until after a six-month waiting period. However, you will not have a waiting period if on the day preceding your effective date under one of our Medicare supplement policies you had continuous creditable coverage of at least six months. If your continuous period of creditable coverage was less than six months, we will shorten the six-month waiting period by the time served under the prior coverage.
If you lost or are losing other health insurance coverage and received notice from your prior insurer saying you were eligible for guaranteed issue of a Medicare supplement policy, or that you had certain rights to buy such a policy, you may be eligible for guaranteed acceptance in one of our Medicare supplement plans. There are other scenarios that you may qualify for guaranteed acceptance. You may find a full list of qualifying scenarios in "Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare," available at Medicare.gov. If you have any questions whether you qualify for guaranteed acceptance into a Medicare supplement plan, please contact us or speak with your agent.
1Two or more individuals who reside together in the same dwelling. Dwelling is defined as a single home, condominium unit, or apartment unit within an apartment complex. Coverage under our Medicare supplement plans is not effective unless, and/or until, you are enrolled in Medicare Part B. 2Fitness programs and vision, hearing, and wellness programs are not part of the insurance policy and are offered at no additional charge. Enrollment in these programs is subject to contract renewal. The programs can be cancelled by us at any time. The Silver&Fit® and ChooseHealthy programs are not included with Medicare supplement cost-sharing Plans K and L. Services that call for an added fee are not part of the Silver&Fit program. The Silver&Fit program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH). Silver&Fit, Silver&Fit logo, and the Silver&Fit Signature Series are registered trademarks of ASH. The ChooseHealthy program is made available through American Specialty Health Networks, Inc (ASH Networks), which are subsidiaries of American Specialty Health Incorporated (ASH).