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  •  My Dad's ins. co. dropped him at 65 (5+ / 0-)

    Is this a regular practice? My father found out after his 65th birthday that his insurance company would no longer cover him due to his new Medicare eligibility. He hadn't signed up for Medicare already because he was insured and assumed he'd continue to be insured. But then they sent a letter telling him he was no longer covered. So he had to sign up for Medicare, and since it was already after his birthday, he had to wait. So there was a gap in insurance/medicare coverage.
    I don't know if this is a standard practice of insurance companies or not, but it sounded pretty bad to me. Thanks a lot, BC/BS.
    Maybe they dropped him because they'd just had to shell out hundreds of thousands of dollars to save his life 6 months earlier when he had a dissected subclavian artery and aortal aneurysm? That surgery set them back a lot. It was emergency surgery so there was no time for a pre-approval process. If they'd not operated when they did, he'd be dead. I guess BC/BS wasn't too happy about that.
    Do you know whether or not this is standard practice for insurance companies, nyceve? Do they all unceremoniously drop subscribers the day they turn 65?

    "You can fool some of the people all the time, and those are the ones you want to concentrate on." --George W. Bush

    by rioduran on Thu Jul 12, 2007 at 06:44:12 AM PDT

    •  AFAIK, there's no auto-drop at 65 (3+ / 0-)
      Recommended by:
      nyceve, rioduran, sockpuppet

      if you get group health care insurance through your employer (assuming, of course, that your employer doesn't force you to retire at 65).  I don't know what the practices of different insurance companies are with respect to individual policy holders.

      Your Dad's case sounds more like, "use it and lose it," rather than an age-related cancellation.

    •  Depends on the policy. (3+ / 0-)
      Recommended by:
      nyceve, rioduran, sockpuppet

      Some policies automatically convert over to "supplemental" coverage at 65.  Others don't and you have to either re-register for supplemental insurance or find another supplemental policy on your own.

      •  they dropped him entirely (2+ / 0-)
        Recommended by:
        nyceve, sockpuppet

        His employer-sponsored insurance plan dropped him entirely. No supplemental, no nothing. Just a big Seeya!

        "You can fool some of the people all the time, and those are the ones you want to concentrate on." --George W. Bush

        by rioduran on Thu Jul 12, 2007 at 08:28:00 AM PDT

        [ Parent ]

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