Can A Medicare Supplement Put Restrictions On My Coverage?



When a person signs up for Medicare supplement plan, he generally knows what it will cover and what it will not cover. He also knows what the restrictions are and when they apply. What he may not know and will probably need to find out if the insurance policy can place any additional restrictions on an individual’ Medicare supplement policy. The good news is that these restrictions usually stay the same throughout the life of a policy. Providers cannot typically add new policies to it.

What Are Common Medicare Supplement Policy Restrictions?

The most common restrictions are the deductibles on the plans and what can and cannot be covered under the plan. These items stay the same from year to year unless the federal government mandates any specific changes. Insurance companies can drop a person for non-payment or for filling out a form incorrectly, but they have very little control over the policies after that. If an insurance company does drop a consumer, the consumer can get additional Medicare supplement coverage under the guaranteed issue clause. Restrictions on the policies get spelled out when a person initially takes out the level of Medicare supplement coverage that he or she needs.

What If a Company Does Place Additional Restrictions?

If an insurance company decides to place additional restrictions that do not fall under the federal guidelines, a person should file a complaint with the Better Business Bureau and the federal trade commission. The odds are that the new restrictions are not valid. Most businesses who implement this are usually unaware of the rules or, as is common in recent years, are simply misinterpreting recent changes to the law. A Medicare recipient should be absolutely sure it is an invalid restriction before he files a complaint with either of these consumer agencies.



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