Where can I get medical insurance?

If one dosen't get response from medicare, and medical insurance co. where can one go?

• for 4 months my wife had been tryuing to dissenrole from a medical provider and return to medicare for insurance. No that she finally has her chosen provider neither one wants to pay for the bills acumulated during the last quarter. It would seem that their would be an office to go to for mediation on this issue. If so who?

• Answer:

  You do not provide enough information to help you much and this can get very complicated. You need to start with the insurance company and find out exactly why the charges are not being covered. There could be a number of reasons and some of those reasons would depend upon what coverage she currently has. All companies have an appeals process that she needs to go through if you think that she should be covered for her procedures. Also, depending on the coverage she has Medicare may or may not pay anything. For example, if she has a Medicare Advantage plan Medicare never pays for any procedures; the company does IF it is a Medicare approved procedure and IF the doctor is in network. If she does not get covered after the appeals process she'll need to contact Medicare directly. They may or may not be able to help; that will depend upon the exact situation. Disenrolling from a Medicare plan is not always simple. If she has a Medicare Advantage plan, which is what is sounds like, the easiest way is from November 15 to March 31 she could have just signed up for a stand-alone drug plan (or another Advantage plan with better coverage) which would have automatically disenrolled her from her current plan. Signing up for the drug plan would put her back on original Medicare for health coverage. Since we are in "lock in" and not in the time of either annual (Nov 15 - Dec 31) or open (Jan 1 - Mar 31)enrollment it may be difficult to drop her plan. She'll have to contact Medicare to see if she can qualify for a special enrollment period, which may be difficult to get. If she can get Medicare to allow a special enrollment she can then sign up for a drug plan and go back to original Medicare for health coverage. Medicare will not allow her to drop drug coverage during this time of the year. Since this is a Medicare plan the state insurance department will not be able to help much.