We are newly in charge of caring for all my in-laws finanacial and healthcare matters. We discovered after a hospitalization and rehab stay that Mom and Dad were behind in their bills and frankly confused by it all.
Dad has always taken care of everything and now can't remember if they need to sign up every year for Medicare and co-insurance or whether it just rolls over the same each year unless changes need to be made.
Any help/guidance for me and my hubby to make sure something doesn't lapse is most appreciated!
Their supplemental or secondary insurance is Cigna. There's no sign of them paying a premium to Cigna in their bank account.
I'll reach out to our Aging agency her in Austin and see if they can help navigate further. I appreciate all your advice.
If by co-insurance you mean gap insurance, the only plan of which I can speak is the BCBSM Medigap Plan C. Premiums are billed and paid monthly. If they're not, coverage can lapse.