Health Care Reform and Medicare Supplements

There is a lot of talk in the news about no person being denied coverage because of a pre-existing condition.  What the media is not telling you is, that only applies to plans that are considered the ‘minimum requirement’ of coverage for a Qualified Health Plan (QHP).  Medicare Part A alone meets this requirement, so any additional or supplement insurance coverage can still exclude based on your current health conditions.  If your rate has increased and you are considering reapplying for coverage to reduce your costs, it is usually better to move sooner than later. Changes in your health may stop you from being able to make changes down the road.