NateW
Recycles dryer sheets
- Joined
- Jul 30, 2011
- Messages
- 425
Heads up for anyone with ACA subsidized medical insurance transitioning to Medicare, Do Not cancel your ACA coverage before Medicare coverage begins. This seems like a no brainier, but somehow DW did just the opposite, thinking she set up a seamless transition to Medicare. ACA cancellation is instantaneous, and coverage Does Not end on the last day of the month.
DW turns 65 in August and in early July was taking care of getting everything in place for Medicare coverage. She believes she read on Healthcare.gov that in order for her healthcare coverage to end on the last day of the month, prior to starting Medicare on the 1st of the following month, she had to "cancel" her ACA coverage before the 15th day of the last month she needs coverage, otherwise, she would have ACA insurance through the first month she is also on Medicare. So on July 8 she updated our ACA application and cancelled her medical insurance. Yesterday, she received a "We hate to see you go" letter from our health insurance provider, noting she no longer has medical coverage.
I immediately called the ACA staff and they verified DW cancelled her insurance, effective as of the date of cancellation. I explained the situation, but got absolutely nowhere, other than "your wife can file an appeal". I was told under no conditions can she be reinstated for the 10 days until Medicare coverage starts. She has some health issues, so we do not want her to be without coverage for 10 days, especially with the pandemic raging.
I think at this point the best solution is to contact the insurance company and see if they can provide 10 days of coverage for DW at their full rate.
Have any of you experienced anything similar to this, and if so, how did you handle it?
Thanks.
DW turns 65 in August and in early July was taking care of getting everything in place for Medicare coverage. She believes she read on Healthcare.gov that in order for her healthcare coverage to end on the last day of the month, prior to starting Medicare on the 1st of the following month, she had to "cancel" her ACA coverage before the 15th day of the last month she needs coverage, otherwise, she would have ACA insurance through the first month she is also on Medicare. So on July 8 she updated our ACA application and cancelled her medical insurance. Yesterday, she received a "We hate to see you go" letter from our health insurance provider, noting she no longer has medical coverage.
I immediately called the ACA staff and they verified DW cancelled her insurance, effective as of the date of cancellation. I explained the situation, but got absolutely nowhere, other than "your wife can file an appeal". I was told under no conditions can she be reinstated for the 10 days until Medicare coverage starts. She has some health issues, so we do not want her to be without coverage for 10 days, especially with the pandemic raging.
I think at this point the best solution is to contact the insurance company and see if they can provide 10 days of coverage for DW at their full rate.
Have any of you experienced anything similar to this, and if so, how did you handle it?
Thanks.