Some companies offer a guaranteed issue, meaning if you pay your premiums, they can not cancel your policy. Other companies reserve the right to cancel your policy if they feel your claim history is not consistent with their company goals. Another thing to review when purchasing a Medicare supplement is how policies rate their premiums. Many policies increase their premiums either annually depending on age or in classes such as one premium for 65 - 69 year olds, an increased premium for 70 to 74 year olds, and so forth. Physicians and hospitals are required by law to submit their bills to Medicare, but they are not required to bill the Medicare supplement.
Medical necessity is determined by the primary care physician.
There is limited review of the treatment plan by anyone in the insurance company or the community. The individual has the ability to seek care from any physician, specialist, lab, nursing home, or other provider that is desired as long as they are located in the United States. The individual can seek that care at their own discretion without the approval by the insurance company. Procedures which may be termed experimental or investigational may be covered by Medicare. Unless the individual has prescription drug coverage through some other source, most Medicare supplements do not have this benefit.