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Nassau Medicare Supplement Review

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Nassau Financial Group, based in Hartford, CT, joined together in 2015, though its some of its affiliates began as early as 1851. They strive to achieve their values of service, commitment, and integrity in those they insure. Nassau services over 573,000 policies and contracts, totaling over $26.3 billion in combined assets and over $1.1 billion in capital. They have been awarded a B+ rating by AM Best and a BB+ rating from Fitch Ratings for their financial security and strength.

Nassau Medicare Supplement Plan Choices

Plans A, F, G, and N are available in most states, but the only way you can get Plan F (or high-deductible F) is if you were eligible for Medicare Part A before January 1st, 2020. If you can answer “No” to all the health questions, then you may be able to pass underwriting. If you are in an Open Enrollment or Guaranteed Issue period, including ending your employer group insurance or COBRA, you can purchase a Medicare Supplement, or Medigap, policy without any health underwriting, and you don’t have to worry about passing the health questions.

Nassau Financial Group uses an electronic application and processing system to speed up your application process. Nassau will call over the phone to verify the information on your application, and they anticipate a decision within minutes. If you are approved, you will gain coverage in 1-2 business days. They offer both tobacco and non-tobacco rates for Medicare Supplement, or Medigap, policies.

Additional Benefits with Nassau Medicare Supplements

Nationwide coverage: You have the flexibility to see any doctor or go to any hospital that accepts Medicare with full coverage.

Household discount: If you have lived with at least one, but no more than three, other adults age 50+ for the past 12 months who are also covered by Nassau or are currently in the application process, you may be eligible for a 7% household discount.

30-Day free look: If you are not satisified with your coverage, you can receive a full refund.

Renewable guaranteed: As long as you pay your premiums on time, your policy cannot be canceled. You will always have the option to continue your coverage.

No paperwork at time of service: When you receive healthcare, all you need to do is present your ID card, and your doctor or hospital will be billed directly. You will never have to deal with paperwork there.

Applying with Nassau if You’re Not in an Open Enrollment or Guaranteed Issue Period

Unfortunately, the simple diagnosis or use of a single declinable medication alone can disqualify you from being accepted by Medicare Supplement, or Medigap, company. However, depending on the amount of time that has passed since the initial diagnosis and final treatment of certain medical conditions, Nassau may give you special consideration for their coverage and acceptance. If you have one of the conditions listed in the specified time frame, you can call (614) 402-5160 to get professional one-on-one advice and to find another provider who will accept you for coverage. All you need to do is fill out the form on the left and one of our independent agents will call you to find another Medicare Supplement, or Medigap, company. These include:

(Check the Height and Weight chart below if you’re in open enrollment or a Guaranteed issue period.)

Please Note: This is not an all-inclusive list.

Heart Disorders

  • Carotid Artery Disease (2 years)
  • Aneurysm (2 years)
  • Coronary Artery Disease (2 years)
  • Diabetes requiring insulin or any complications from diabetes such as retinopathy, neuropathy, or nephropathy (2 years)
  • Heart or circulatory surgery including angioplasty, bypass, stent, or valve replacement (2 years)
  • Congestive heart failure (2 years)
  • Enlarged heart (2 years)
  • Heart rhythm disorder requiring pacemaker or defibrillator (2 years)
  • Peripheral vascular disease (2 years)
  • Heart valve disorder (2 years)
  • Heart attack (2 years)
  • Transient ischemic attack, or TIA (2 years)

Cancers

If you have had any internal cancer, including Hodgkin’s Disease, Leukemia, and Malignant melanoma, any time within the past three years, you will not be eligible for Medicare Supplement coverage with Nassau Financial Group.

Bone and Joint Conditions

  • Osteoporosis with fractures (2 years)
  • Degenerative bone disease (2 years)
  • Crippling or disabling arthritis (2 years)
  • Rheumatoid arthritis (2 years)

Other Conditions

  • Stroke (2 years)
  • Drug or alcohol abuse including prescription and non-prescription (2 years)
  • Hospitalized more than once (2 years)
  • Mental or nervous disorder requiring psychiatric care (2 years)
  • Hospitalized, bedridden, confined to a nursing facility, or received home healthcare (90 days)
  • Currently requiring the use of a wheelchair or motorized mobility aid

Conditions You’ve EVER Had

Even if you were diagnosed and treated for conditions in this section many years ago, Nassau will likely not accept you for Medicare Supplement coverage. If you have any of these conditions, one of our agents can help you find another provider to accept you.

Brain, Muscle and Spinal Cord Disorders

Sadly, most cognitive disorders, or disorders that affect the brain and/or spinal cord, will disqualify you from coverage with Nassau Financial Group. These include:

  • Alzheimer’s Disease
  • Dementia
  • Huntington’s Disease
  • Lateral Sclerosis
  • Multiple Sclerosis
  • Muscular dystrophy
  • Myasthenia Gravis
  • Organic Brain Disease
  • Parkinson’s Disease

Pulmonary Conditions

Most chronic pulmonary disorders will lead to a decline from Nassau for Medicare Supplement coverage. These include chronic obstructive pulmonary disease (COPD) and emphysema, but this is not an all-inclusive list. Additionally, if you require the use of supplemental oxygen, you will not be accepted for coverage from Nassau Financial Group.

Kidney and Liver Conditions

It’s unfortunate, but an applicant will likely be declined by Nassau for coverage if they have a diagnosis of any kidney and liver conditions that are likely to lead to organ failure. These conditions include chronic hepatitis, end-stage renal disease (ESRD), kidney dialysis or kidney failure, and liver cirrhosis or liver failure.

Other Conditions

  • AIDS/ARC/HIV
  • Organ transplant or recommended organ transplant
  • Sarcoidosis
  • Systemic lupus
  • Had an amputation caused by disease
  • Advised to have surgery, medical tests, treatment, or therapy that has not yet been performed

If you have been diagnosed with or treated for any of the listed conditions within the given time frame, fill out the form to the left to get one-on-one help finding a Medicare Supplement provider who will cover you.

Getting help finding out if you qualify and getting the Nassau Financial Group Medicare Supplement is simple. Call (614) 402-5160 or fill out the form on your left.

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