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Medicare Bridge Plan Buyers Guide

Mission Benefits
Published by in Medicare · 27 May 2019
Tags: Medicare
The Medicare Bridge is a medical plan designed for persons aged 60-95 waiting to enroll in Medicare but do not have other health insurance coverage. It provides up to 364 days of coverage per term. This plan is medically underwritten and is subject to pre-existing conditions. This is a partial list. The underwriters may request additional information including medical records during the underwriting process.

Plan Options
Platinum: $1,000,000 Maximum Benefits, $1,000 Deductible
Availablility: Age 60 - 69

Gold: $500,000 Maximum Benefits, $2,500 Deductible
Availablility: Age 60 - 79

Silver: $250,000 Maxmum Benefits, $5,000 Deductible
Availablility: Age 60 - 79

Bronze: $100,000 Maximum Benefits, $10,000 Deductible
Availablility: Age 60 - 89

How The Bridge Plan Works
All eligible expenses are applied to the Deductible.
Medicare Bridge pays 100% of charges up to the policy Maximum Benefits once Deductible is met.

Coverage Types
Medicare Bridge is not available to Medicare enrollees that have both Medicare Part AND Medicare Part B. This is not a Medicare supplement plan. The Bridge plan is available only to persons waiting for Medicare eligibility and have not yet enrolled in Medicare Part A or Medicare Part B.

  • Bridge Part A & B - does not have Medicare Parts A and B
  • Bridge Part A Only - currently enrolled in Medicare Part B only
  • Bridge Part B Only - currently enrolled in Medicare Part A only

Medical Underwriting and Pre-Existing Conditions
Treatment or diagnosis for the following conditions are considered pre-existing conditions. The policy may be issued with exclusions for these conditions. Since Medicare Bridge is a temporary policy, it is exempt from Affordable Care Act (ACA) requirements to cover pre-existing conditions.

    • Alzheimer's/Dementia
    • Arthritis/Joints
    • Asthma/Respiratory
    • Back/spine/neck conditions
    • Bones/Bone Density
    • Cancer
    • Chest pains
    • Chronic pain
    • Concussions
    • Diabetes
    • Eyes/Ears
    • Fainting/Dizziness
    • Gallbladder
    • Gastrointestinal conditions
    • Gout
    • Heart conditions
    • Hernia
    • High Blood Pressure
    • HIV/AIDS
    • Lymph nodes
    • Mental/Emotional/Psychiatric conditions
    • Prostate/Uninary system
    • Reproductive system
    • Skin Conditions
    • Sleep Anea
    • Stroke
    • Throat/Thyroid/Glands

Short Term Medical Insurance and Medicare Bridge
Medicare Bridge is available in California and in states where Short Term Medical is not available.

If you reside outside of California in a state where Short Term Medical Insurance is available, you will not be able to purchase the Medicare Bridge plan.

Arrow Benefits Silicon Valley
Mission Benefits
773 E. El Camino Real, Ste 165
Sunnyvale, CA 94087-2919

Tel 408.419.2600 . Fax 408.419.2601

CA License 0D68492
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