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LawTalk, Attorney
Category: Social Security
Satisfied Customers: 37855
Experience:  I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
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My husband needs insurance NOW, he is 70 his insurance from

Customer Question

My husband needs insurance NOW, he is 70 his insurance from his previous employer ended in June 2016, we were never notified. (He left the company in 12/15). I tried to enroll him in my Companies plan but we missed the 30 day qualifying event period. I then tried to enrol him in Medicare part "B" but was told we had to wait for open enrollment which would not start until 7/17. How can I secure a Health Insurance Policy to take effect 11/1/2016
Submitted: 1 year ago.
Category: Social Security
Expert:  LawTalk replied 1 year ago.

Good morning Deborah,

I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today. I have been a licensed attorney for more than 3 decades. Please don't confuse excellent service with a satisfactory outcome based on your wants and desires. I can only explain the law to you---not guarantee that you will be happy with the outcome---any more than a cancer surgeon can guarantee a cure.

Unfortunately, you folks have missed the open enrollment periods for both Medicare as well as your company's health plan and Obamacare policies as well.

Under Obamacare, open Enrollment for 2017 runs from November 1, 2016 to January 31, 2017. Your company's own healthcare policy will probably have a Fall open enrollment period as well and you can enroll him at that time in your policy. If your company's open enrollment period is in October/November of each year---as is typical of a number of private employer based policies---then you can enroll him immediately. Otherwise you have no option but to wait until November 1 to enroll him in an Obamacare plan which will be effective the first of the year. And if you are not willing to pay the exorbitant price for an Obamacare policy, you will have to apply for Medicare right now, knowing that coverage is delayed.

Aside from these options, you have no option to qualify him for any health insurance policy by November 1 of this year. I am sorry.

I understand that you may be disappointed by the Answer you received, as it was not particularly favorable to your situation. Had I been able to provide an Answer which might have given you a successful legal outcome, it would have been my pleasure to do so.

If you have additional questions, you may of course reply back to me and I will be happy to continue to assist you further until your questions have been answered to your satisfaction.

Would you please take a moment to positively rate my service to you based on the understanding of the law I provided by clicking on the rating stars---three stars or more. It is that easy. That is the way I am compensated for having helped you.

Thank you in advance. I wish you the best in your future,


Customer: replied 1 year ago.
Does as ever make exceptions as we were not notified that our insurance had lasped
Customer: replied 1 year ago.
Expert:  LawTalk replied 1 year ago.

Hi Deborah,

I'm sorry, but social security never makes exceptions. Were there ANY possible exceptions, I would have told you about them.

Even if he had employer insurance until June of 2016 the fact that he left the company in January meant that the window of opportunity to apply for Medicare Part B (8 months) started the day he left the company.

You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.

Please remember to rate my service to you so that I can be compensated for helping you. Thank you in advance.

I wish you and yours the best in 2016,


Expert:  LawTalk replied 1 year ago.

Good morning,

It is possible that your questions and issues might be better served by an in-depth conversation with me. If you are interested, for a very nominal charge I can offer you a private phone conference.

Please know that I answered your question in good faith, providing you with the information that you asked for, and I did that with the expectation that you would act likewise and rate my service to you. If I have already provided you with the information you asked for and you have no additional questions, would you please now rate my service to you so I can be compensated for assisting you? Rating me costs you nothing as you have already paid the deposit for my help. All rating does is ensure that I am paid for my time in working with you.

Thanks in advance for your rating of my service, It is greatly appreciated,