Question

John, 68, is currently enrolled in a Medicare Supplement Plan with a stand-alone Prescription Drug Plan. Newly diagnosed with a chronic condition, he calls agent Charles on May 3 to ask if there are plans that will help him manage his condition. Can John enroll in a Chronic Special Needs Plan (CSNP) that covers his chronic condition?

a) No, he can only enroll during the Annual Election Period (AEP)

b) Yes, he can enroll using Medicare Supplement Insurance Guaranteed Issue

c) Yes, he can enroll using his Special Election Period (SEP-Special Need/Chronic)

d) No, he can only enroll during the Medicare Advantage Open Enrollment Period (OEP)

Answer 1

Yes, John can enroll in a Chronic Special Needs Plan (CSNP) using his Special Election Period (SEP) due to his newly diagnosed chronic condition. The correct option is c.

Step-by-step explanation:

The question you've asked concerns whether John can enroll in a Chronic Special Needs Plan (CSNP) after being diagnosed with a chronic condition. John can indeed use a Special Election Period (SEP) for individuals with a chronic condition to enroll in a CSNP.

SEP is a time outside the usual enrollment periods when someone is allowed to change or enroll in Medicare health plans due to special circumstances, like being diagnosed with a qualifying chronic condition.

This enrollment period applies specifically to people who require substantial, ongoing medical care, allowing them to get the specialized coverage they need. The correct option is c.