Guaranteed issue rights are what protects you from medical underwriting. The medical insurance companies, try to analyse every factor before providing health insurance and while calculating the coverage. Many companies use your medical history as well as pre-existing condition data. With the help of this information combined, they determine whether they will cover you or not. And if they would cover you how much will they charge. This process is called medical underwriting.


There are two ways by which you can escape from medical underwriting. One is to apply for enrollment in a Medigap policy during the Open Enrollment Period (OEP). OEP is a six month period where you can apply for the medicare policy after you have turned 65 or older and have part B of the original medicare. No company can then use your medical history to deny coverage or to increase the cover charge.


The second way is if you have guaranteed issue rights. This occurs when you are exercising your right because either you lost your health insurance because you moved to a place, not inside the network of your policy or because the situation wasn’t in your control.


There are certain situations in which you can exercise your rights.


  1. If you have a medicare supplement plan, and you are moving to another region out of the network of the plan


  1. When you decide to switch from a medicare supplement plan to the original medicare plan within the first 12 months of joining


  1. When you switch from a Medigap plan to a medicare supplement plan or when you switch from a Medigap supplement plan to a Medigap plan


  1. If you lose a medicare insurance plan of no fault of yours (maybe because the insurance company went bankrupt, or ended its agreement with medicare)


  1. When you have original health care along with a union employee health plan and the plan is about to end.


In all of the above situations, legal help can help you to exercise your rights so that the private insurance agency cannot violate your rights and use it against you to either deny you a health coverage or to increase the charge for covering your health expenses. Want a Mutual plan? Sign up by clicking

Medicare 2020 Terms and Changes

Medicare 2020 Terms and Changes

  Medicare Advantage plansMedicare is available to people over 65 who are US citizens or legal permanent residents. In addition, you or your spouse must have worked for 10 years (40 quarters). Some people under the age of 65 may also qualify for Medicare coverage if they have certain disabilities and meet the guidelines. Most people do not pay a premium for Part A, which covers hospital care in hospitals, specialized care in nursing facilities, home care, and stays in hospice centers, because when I worked, I joined the system. There is a deductible of approximately $1,316 and a co-insurance after 60 days.

Medical care would have a significant reduction in availability and quality for most US citizens. Those with humana health insurance provided by their employers would lose their policies. Those with union-guaranteed coverage would also be eliminated. All those with Medicare supplement coverage can no longer have this coverage.Those who currently cannot afford health insurance would benefit from having coverage. In addition, younger Americans who chose not to buy insurance because they believe their age does not justify the cost of buying insurance will benefit because they would now have coverage they did not previously have. Find quotes for Medicare Advantage plans. 

The first time I saw acupuncture was when I saw, at a large New York City hospital, an anesthesia/pain control test, used exclusively during extensive dental surgery in the mid-1970s. 15 years later, after being submitted to oral surgery, the jaw suffered, probably due to the stretching performed during the procedure. About three days later, I was still suffering, and as I walked through New York’s Chinatown, I went to an acupuncturist’s office, located behind an herbal shop. Forty-five minutes later, I left the office, completely painless, and the situation never came back.

They are easy to find: just search the nearest urgent care clinics online and you will be surprised to find many. Under minimum conditions, instead of waiting for the ambulance to come and look for you, you can go to the nearest location and make sure you receive the same facilities as the hospital.Flexible hours: These centers have flexible hours. They run from 8 am until 7 pm. Weekends are open for a few additional hours, which is a special benefit because the rate of young people getting drunk and in trouble increases on weekends. However, once we look at availability and quality of costs, the only answer is that Medicare for all is a bad idea and healthcare will suffer drastically.

Medicare and People With Disabilities

Medicare and People With Disabilities

Medicare is an assistance for people with physical disabilities and qualified Medicare Advantage plans for Social Security Disability Insurance. The Medicare and Medicaid Services Centers and the Social Security Administration (SSA) align to certain rules for people with physical challenge and other persons eligible for Medicare. The following are some facts you should know about Medicare. Most Americans qualify for Medicare, a federal government-funded health program when they turn 65. The age eligibility requirement for Medicare does not apply to persons with certain physically challenges who cannot function and qualify for SSDI.

What Medicare plan are you eligible for?

The Health Insurance Program of Medicare consists of 4 parts: Parts A, B, C & D. Although Parts A, B, & D are similarly grouped as part of the Original Medicare Policy, Part C is considered individually as a Medicare Advantage plan.

Part A:

When you enroll in Part A of Medicare, you will be protected by hospital insurance. Though Part A insures hospital medical services that are most necessary, it doesn’t include all fees. Health expenses insured by Part A of Medicare include hospital care in clinics – night care and treatment for at least 3 days, 72 hours), transfusion of blood – pints of blood gotten at the clinic, skilled nurses (health center short-term care or nursing centers after health treatment in the clinic), palliative healthcare — home care services for persons with lethal ailments) and home care services (part-time nursing services and patient equipment) at home. Obtain quotes and rates by visiting

Part B:

Most Medicare providers require that you also get Medicare Part B coverage when you enroll in Part A. These are all other expenses that your medical needs may require that are not covered in Part A. This could likely include medical services which are necessary (medical advice or medical consultations) and outpatient health care – i.e. medical provisions which do not need overnight hospitalization or even includes a hospital visit.

With the likelihood of a multi-million dollar fund for an enrolled Medicare, the initial policies provided by Medicare Supplement plans or Medigap were provided by Bankers Life in the early 1970s. The policies insured Medicare A & B with no surcharges. The concept of Medigap became accepted widely by the public and soon enough many companies were providing their own versions of Medicare supplement policies. Abuse of the Market among agents continues to substitute their own insurance based on an improved policy or the needless sale of several policies to senior citizens to earn a new amount, leading to federal standards of Medigap policies in the year 1992. Now, this change caused the sale of several unacceptable and standard policies offered.