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- Joined
- Jan 6, 2013
- Messages
- 3,417
I have the pre-Medicare retiree health insurance through the retirement system of my last employer. Next year I have to switch to Medicare. The retirement system uses a private exchange for Medicare supplement policies during the annual open enrollment window. I know Medicare eligibility starts the first day of the month in which I turn 65, but I don't understand how to make the switch to a private exchange supplemental policy in the middle of a year or to decide to purchase an unsubsidized policy outside their exchange. Because I am not 65, I can't get access to the exchange to look at the current policies. There is no information on the changeover in the booklet that is sent out every year.
I would like to know what I'm up against now so I can start researching and planning. Has anyone been through a similar process? Any clue as to what supplement policies are sold on these private exchanges? Calling these folks is not helpful, as the answer is to call back when I need to make the switch.
TIA!
I would like to know what I'm up against now so I can start researching and planning. Has anyone been through a similar process? Any clue as to what supplement policies are sold on these private exchanges? Calling these folks is not helpful, as the answer is to call back when I need to make the switch.
TIA!