(Snippets from the frontline)
Age as a pre-existing condition
When one reaches 65 years old, there is an option to apply for supplemental insurance known as a “secondary” to cover costs not payed for by Medicare. Several years ago I filled out the application checklist, and because I was healthy, received my choice of secondary Medicare insurance.
A friend though applied, and was denied because he checked off a condition known as COPD.
Why does the Affordable Care Act (Obamacare) eliminate “pre-existing condition”, yet Medicare insurance companies can still deny seniors a supplemental health plan?
Do seniors have to pay higher premiums, or be forced into a plan they don’t want (like HMO)? What if you want to change your secondary plan at age 85? Certainly by then you will have some kind of illness that might be called “pre-existing.”
Gene Uzawa Dorio, M.D.