Founded in 1884, Memorial Sloan Kettering Cancer Center (MSK) is the world’s oldest and most significant private cancer center. For more than a century, Memorial Sloan Kettering doctors, researchers, nurses, and staff have been united by a relentless dedication to one purpose: conquering cancer.
MSK is rated as one of the top cancer clinics in the nation, according to U.S. News & World Report. The close collaboration between MSK’s doctors and researchers is one of its biggest strengths—ensuring that medications and therapies developed in the lab can be moved quickly to patients’ bedsides.
In 1980 Memorial Hospital and the Sloan-Kettering Institute formally merged into a singular entity under the Memorial Sloan Kettering Cancer Center name.
MSKCC has led the way in knowing cancer and in developing new ways to diagnose and treat it. The Sloan-Kettering Institute (SKI) supports one of the world’s most effective plans of cancer analysis dedicated to understanding the biology of cancer through programs in cell biology, genetics, biochemistry, molecular biology, structural biology, computational biology, immunology, and therapeutics. SKI’s research staff combines more than 100 laboratory investigators; 450 research fellows, associates, and scholars; and 250 graduate students (both PhD and M.D./PhD candidates). Also, SKI boasts 11 National Academy of Sciences members and seven Howard Hughes Medical Institute investigators.
MSKCC’s education programs prepare the next generation of physicians, scientists, and other healthcare professionals for leadership capacities in the life sciences and medicine, especially as related to cancer. The Louis V. Gerstner, Jr. Graduate School of Biomedical Sciences at Memorial Sloan-Kettering was established in 2004.
This new program — which offers a PhD degree in cancer biology — trains gifted young laboratory scientists to work in research areas directly related to cancer and other human diseases.
When it comes to choosing Medicare Plan with cancer, your healthcare provider must participate in coverage you pick.
Most Medicare Supplemental Plans (Medigap) give peace of mind and offer unique opportunities to those who were diagnosed with any forms of cancer.
We work closely with our clients to pick the right Medigap plan.
As a specialist in N.Y., we offer Medicare Supplement plans from United HealthCare and Anthem Empire Blue Cross Blue Shield. The reason why we choose to work with this company has a simple answer. Medigap plans are standardized. That means the programs offer the same benefits across USA, but the premiums are different. In NY State, we have a community base rate. The premium does not matter very because of your age or gender or health condition. The other great part of Medicare Supplement plans in N.Y. that there are no underwritings. No health questions on the application.
What does this mean?
You will be enrolled and accepted, no matter what your current health situation is. It is important to know that there is a six month waiting period for pre-existing conditions in coverage in some cases.
When are there six month waiting period in Medigap Plans?
If you had a gap in insurance coverage and did not enroll during your Guaranteed Issued Period or your Open Enrollment, you can have a waiting period for pre-existing conditions.
Open Enrollment for Medicare Supplement Plans.
Generally, the best time to join in a Medigap policy is during your open registration period. Under federal law, you have a six-month window, open registration time that begins the month you are 65 or older and enrolled in Medicare Part B.
Guaranteed issue right
If you miss your open registration period, you can also buy a Medicare Supplement Plan when you have a guaranteed issue right. If you are age 65 or older, you have a guaranteed issue right within 63 days of when you lose or end certain kinds of health coverage. That coverage may be Union or Employer Benefits Coverage, COBRA, or you are involuntary loose another type of plan.
Let’s also talk about Medigap Plans for residents of N.J. There are plenty of Medicare Beneficiaries who travel to Memorial Sloan Kettering Cancer Center from New Jersey.
Underwriting varies by state. Underwriting requirements and rates vary based on the length of time that has elapsed from the applicant’s 65th birthday or Medicare Part B effective date (if it is later) to the Medicare Supplement plan effective date.
Who needs to be underwritten?
Applicants outside of their open enrollment period and applicants who do not qualify for guaranteed issue for certain Medicare supplement plans are underwritten to determine eligibility and rate.
Can applicants be denied coverage?
If applicants need to be underwritten, they will be denied coverage if any of the following applies:
- Hospitalized as an inpatient within the past 90 days (not including overnight outpatient observation)
- They are currently being treated or living in any type of nursing facility other than an assisted living facility.
- They were told by a medical professional that they have End-Stage Renal (Kidney) disease or that they require dialysis.
- Within the past two years, said by a medical professional that they may need any of the following:
- Hospital admittance as an inpatient
- joint replacement
- Organ transplant
- Surgery for cancer
- Back or spine surgery
- Heart or vascular surgery
In conclusion to this, if you have cancer and not in your guaranteed issued or open enrollment period for Medicare Supplement Plan in N.J. state, you can be refused coverage.
Everyone has the right to join. Applicants can resume the application process even if they may not qualify.
How can we help as an agent?
We can help to ensure that the underwriting process is completed efficiently and quickly by:
- In advance of our appointment, advising you to be prepared to answer health questions if your acceptance is not guaranteed.
- We can ensure that the information provided on the application is accurate and complete.
- We are always following up with you if the underwriter needs additional information. We contact the underwriter on your behalf to make the process quicker for you.
Here at First Manhattan Financial, we are dedicated to serving our community, and we always try to find a way to get you covered fully and right away. We can look at all options and try to eliminate your waiting period for pre-existing conditions. We have a great relationship with all insurance companies to serve you the best.
Contact us, and we shall help you to make the best choice that meets your needs.