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Does Health Insurance Cover Hearing Aids

Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy coverage ends through no fault of your own otherwise. You have the right to buy a Medigap Plan A, B, C, or F (your state might give you more choices) that is sold in your state by any insurance company.


You will have 63 calendar days from the date your coverage ends to apply for a new Medigap policy. Because Medigap policies are guaranteed renewable, the only way you would lose coverage under a Medigap policy would generally be if the Medigap insurance company goes bankrupt or the coverage ends through no fault of your own.


A Medicare is left by you Advantage Plan, or drop a Medigap policy, because the company hasn't followed the rules or it misled you. In this situation, the Medicare is left by you Advantage Plan because it failed to meet its contract obligations to you.


For example, the company isn't paying your claims, or it made untrue statements to convince you to buy the policy. Generally, to have this right, you must have filed a grievance with the Medicare Advantage Plan, Medicare, or your State Insurance Department and received a decision that the Medicare Advantage Plan was at fault.


The right is had by you to buy a Medigap Plan A, B, C, or F (your state might give you more choices) that is sold in your state by any insurance company. You must tell the Medicare Advantage Plan that you want to leave (disenroll) and give them a date to end your coverage.


You have a Medigap policy that covers prescription drugs. You want to enroll in the new Medicare prescription drug coverage and switch to another Medigap policy that doesn't have prescription drug coverage.


If you enroll in Medicare prescription drug coverage, you can keep your Medigap policy, but you must tell your Medigap insurance company to remove the prescription drug coverage from it as of the date your Medicare prescription drug coverage starts, and your Medigap premium will be adjusted.


If you enroll in a Medicare Prescription Drug Plan by May 15, 2006, you also have the right to switch from the Medigap policy you have now and buy a Medigap Plan A, B, C, F (including the high-deductible Plan F), K, or L that is sold by your current Medigap insurance company.


However, you are only guaranteed this right from the same insurance company. If you apply to a different insurance company they may be able to use medical underwriting. You must apply for your new Medigap policy within 63 calendar days after your Medicare prescription drug coverage starts.


If you sign up for a Medicare Prescription Drug Plan after May 15, 2006, you will no longer have the right to buy another Medigap policy from the same insurance company, unless your state has a statutory law that requires it. Important: As of January 1, 2006, no new Medigap policies with prescription drug coverage can be sold.




If you have a Medigap policy that covers prescription drugs, by November 15 you will get a notice from your Medigap insurance company every year. This notice describes your options for getting prescription drug coverage. Read the entire notice carefully and review your options before making any decisions.


Special note for people with Medicare under age 65 In most cases, Federal law doesn't require insurance companies to sell Medigap policies to people under age 65. However, if a Medigap is sold by an insurance company policy to people under age 65, either voluntarily, or because state law requires it, and IF you are in one of the situations listed, the insurance company would have to offer you that Medigap policy.


Note: If you are in a situation where you have a right to return to a Medigap policy you used to have, and that Medigap policy included prescription drug coverage, you won't be able to get back the prescription drug portion of the Medigap policy. Medigap policies for people under age 65 and eligible for Medicare because of a disability or End-Stage Renal Disease (ESRD) You may have Medicare before age 65 due to


• a disability, or


• ESRD (permanent kidney failure requiring dialysis or a kidney transplant). If you are a person with Medicare under age 65 and are disabled or have ESRD, you might not be able to buy the Medigap policy you want (or any Medigap policy) until you turn age 65.

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