Backdating
These two types of replacement coverage qualify a customer for a backdating review
What are another Medicare Supplement or a Medicare Advantage plan.
Use this system to complete a termination request for a new HIP policy.
Customer Access
Mutual of Omaha allows ___ days to correct a termination.
14 days.
A full transfer of coverage from one Mutual policy or subsidiary to another Mutual policy.
What is a policy conversion.
A Medicare Supplement plan requires this if the policy is being backdated more than 12 months or to the original effective date.
What is proof of replacement coverage?
For reactivation without underwriting after Medicaid suspension, Medicaid eligibility must end within how many months?
24 months, with the other required conditions also met.
Which date starts the correction window: the termination request date or the effective date?
Whichever date is later.
The existing Medicare Supplement policy remains ____ while the new policy is in underwriting.
What is active status?
Which two types of replacement coverage do not qualify for backdating under training guidelines?
Employer group coverage and VA coverage.
The customer must provide this for reactivation without underwriting after Medicaid Suspension.
What is Proof of Loss of Medicaid Eligibility.
If within the correction window, open a ___ BE.
820 BE.
___ cancels the old policy once the new one is issued.
What is Underwriting.
What must you verify before allowing backdating for a cancellation due to incarceration or for a specialty policy?
Verify that the applicable policy language permits backdating.
We must receive loss of Medicaid eligibility within ___ days.
90 days
You will need to call ____ to complete the reversal termination process.
What is the POS Health Question Line.
For a Mutual/Admin company conversion, what type of note should you add, and what should it document?
A Call Inquiry note documenting the policyowner’s cancellation request and the advice that the policy will terminate on the effective date.
A customer wants to backdate a termination because Medicaid replaced their coverage. Which reference should you consult for the applicable limits?
The Medicaid Replacement Guidelines.
PRACTICE: Medicaid eligibility ends within 18 months, the customer provides proof of the loss, and notification arrives 60 days after the loss. Does this meet the listed conditions for reactivation without underwriting?
Yes. Eligibility ended within 24 months, the customer provided proof, and notification arrived within 90 days.
A policyowner cancelled the wrong policy, and the request is within the correction window. What are the three steps for reversing the termination?
1. Open an 820 BE.
2. Notate: “PO cancelled the wrong policy, put this policy back in force.”
3. Contact the POS Health Question line.
Use the ____ on Mutually Wise for the conversion process details.
What is Conversion Table.