What should I do with my Medicare plan if I'm diagnosed with a rare disease requiring specialists?

Question

Anthony Castelluccio · Accepted Answer

If you are on a Medicare Supplemental plan like a G or an N plan, you shouldn't be to concerned about the out of pocket cost that you will pay. If you are on a Medicare Advantage plan, just make sure your Specialist is in network.

Answered by Anthony Castelluccio on April 21, 2025

Agent Licensed in PA, DE, MD, NJ & VA

Answered by Anthony Castelluccio Medicare Insurance Agent

Charles Boone · Answer

Consult with your Health Insurance Broker upon receiving the diagnosis. Depending on the situation and type of diagnosis, you may be eligible for a specialized plan or additional assistance.

Gregg Matheny · Answer

Great question.if that rare disease is going to lead to expensive complications down the road, it may be a good idea to look into a supplement plan like a “G” or “N”. The tough part would be passing underwriting since you’ve recently been diagnosed. If you’re unable to pass underwriting Then you may just try to get familiar with your advantage plan costs and if possible, get familiar with all of your lesser expensive “in-network” options. It may be a good idea to utilize your broker or contact the Member Services number for your insurance and get a list of providers in your area.

Answered by Gregg Matheny on March 26, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Marcie Barnes · Answer

I strongly recommend purchasing supplemental coverage for chronic diseases to protect yourself from catastrophic illnesses.

Ron Gambles · Answer

In general you should contact your plan, particularly if you have an Advantage Plan.  They typically have specialized treatment classes that target specific conditions.

Charles Borg · Answer

See a specialist. Many times your Primary Care Provider can recommend someone. If not, sometimes friends or relatives can recommend someone.

Daniel Young · Answer

Review your coverage with your agent to make certain the treatment is covered and specialists in network if an HMO.

Taylor Blankenship · Answer

They make special plans that have benefits that help people in your position. You may want to sit down with a agent and go over some C-Snip plans in your area.