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Cancer Ins.

Postby Farnall » Wed Jun 01, 2016 6:14 am

My elderly mother pays over $200.00 a month for cancer insurance, which she does not need. She has Medicare plus a supplemental policy. Assuming I can get her to cancel the policy, is there anyway we can retrieve the premiums she has already paid?  I really feel the insurance company is taking advantage of her.
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Cancer Ins.

Postby Girvyn » Wed Jun 01, 2016 9:40 am

Agreeing that it is likely that your mother does not need a separate policy to cover cancer, as this would be covered under her medicare and supplemental policies, receiving a refund on premiums paid due to fraud is a legal question.

Your local Department Of Insurance state agency oversee's all insurance carriers doing business in your state. They should be your first resource for help, filing a complaint on the cancer insuror. These state agencies have some teeth, and if fraud is involved they will act swiftly.

Secondly, an attorney resource that specializes in these issues is available. The,(NAELA) National Academy of Elder Law Attorneys' website(www.naela.org) provides a list of members who have passed the stringent Elder Law Association Certification test(CELA), accepted by the American Bar Association as the gold standard of expertise, as well as links to other organizations that focus on senior issues.

I would verify that your mother has part A&B medicare coverage, and a reputable supplemental insurance carrier. Cancel the cancer coverage. Contact your local Department of Insurance for assistance. Contact NAELA in any case, and ask questions. Once a potential lawyer has been identified, ask plenty of questions.  By completing a durable power of attorney, naming someone else to take care of her health and financial issues when she is unable to do it, you can avoid a lot of headaches. Otherwise, you may need to go to court to have a guardian appointed - which is expensive.

The mark of a great elder-law attorney is someone who genuinely cares about the issues affecting folks over 65. Ask your potential attorneys what volunteer organizations they belong to, if they're on the state elder-law committee, and what they do to perpetuate advocacy for the elderly.

Something else to consider is the attorney's areas of specialization. It's important to hire someone who regularly deals with the issues that are of concern in the case in question. For example, if a client is going to rewrite her will and her spouse is ill, the estate planner needs to know enough about Medicaid to know whether it is an issue with regard to the spouse's inheritance.http://www.higginscompanies.com Arizona health insurance agent.
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