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supplemental medicare insurance

Discussion in 'Off Topic Threads' started by tcr1146, Oct 3, 2012.

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  1. tcr1146

    tcr1146 Well-Known Member

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    I am less than three months away from retirement. I need help/recommendations on some of the different companies that I should evaluate for my wife's supplemental insurance as well as mine! Please do not suggest aarp! Thanks, Tom Rhoads
     
  2. tomc66

    tomc66 Member

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    You may not like AARP but the United Health Care Insurance they sell is excellent and a good value.
     
  3. Straight99

    Straight99 Member

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    AARP are Democrats. I avoid them at all cost. They are anti gun.
     
  4. hmb

    hmb Well-Known Member

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    United Health Care Empire Plan, covers the 20 percent Medicare doesn't cover plus it takes care of perscription drugs. HMB
     
  5. geneleroy

    geneleroy TS Member

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    I did not know AARP was as Left Wing as they seem to be, but do agree with tomc66, the Mrs. and have had AARP Plan "F" for 14 years and if a proceedure is covered by Medicare we are covered 100%, no out of pocket expense! I know it's rather pricey but there is 'peace-of-mind' knowing that we are covered 100% for all Medicare services. There may be other plans available that are just as good, but like I said 14 years ago I didn't realize AARP was so left. With my medical problems I doubt any other company would insure me now. I have had more expenses this year than AARP will ever get back in premiums even if I live to be a 100!
     
  6. birdogs

    birdogs TS Member

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    I use Genworth. Excellent!
     
  7. tcr1146

    tcr1146 Well-Known Member

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    Could use some more ideas boys! Tom Rhoads
     
  8. Jerry944t

    Jerry944t Well-Known Member

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    Tom the proper insurance is very dependent on your pre-existing conditions. My wife is an expert on placing people with the right company so I've learned allot listening to her.

    No one can tell you which insurance company best serves your needs without knowing your health history. Different companies have different ways of dealing with your particular health concerns. You may get a very unpleasant surprise if something comes up down the road.

    No insurance company is best for everyone and it's a very complicated subject. Best to contact a professional to help find a company to fit your individual needs.

    Jerry
     
  9. blade819

    blade819 Well-Known Member

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    After 2 months of searching for the most reasonably priced "PLAN F" Supplement, I signed up with Aetna @$129/mo. I believe the same price is available thru the VFW. Don't get any plan that is less than Plan F.

    blade819
     
  10. TC

    TC TS Member

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    Tom, call your local "SHIP" office there should be one in most cities. They will give you a computer analysis of what is available. This is run by your state department of insureance. Tony
     
  11. Jim R

    Jim R Ljutic Nut TS Supporters

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    Go to your local Senior Center. They will be able to either help you or can direct you to someone that can help you.


    I went to our local Senior Center and they got me into a 3 hour class with others that were looking for direction. This person was not a salesperson she was a medical insurance specialist. That was 2 1/2 years ago and everything has worked out fine.


    Jim R
     
  12. Stl Flyn

    Stl Flyn Well-Known Member

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    I have had, and been told that United Health Care is a very good insurance provider. I was told this by my uncle, who was an Independent Insurance Rep. I have Genworth, for my life insurance provider.
     
  13. BIGDON

    BIGDON Well-Known Member

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    Tom: Request the new publication "Medicare and You - 2013" from Gov't. or go on line at www.medicare.gov/publications and you can download it. It's a decent guide and it is state specific. It also lists various insurance companies with some pricing and prescription plans are also listed.

    Make sure the plan you choose will cover you out of your state. I ran into a problem with my wife when in Florida and MI Blue Cross gave us some static about paying. It eventually got handled but it took 9 months. I have a different plan through Golden Rule and have no problems, had a bunch of med. bills and tests this last year and have paid next to nothing out of pocket.

    Don
     
  14. stokinpls

    stokinpls Well-Known Member

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    Tom: I've had excellent luck so far with Blue Cross/ Blue Shield. I've also heard positive comments about Humana. Scary part was, the BC/BS salesperson said, even they weren't sure exactly what was going to happen if Jugheadcare goes into effect. Whoever you deal with, that would be my first question. Good luck.

    Bob Falfa
     
  15. tcr1146

    tcr1146 Well-Known Member

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    Thanks a bunch guys! BigDon: I just got in the mail the medicare booklet you mention! For a change, I kept it and will go from there and check the other suggestions above! Tom Rhoads
     
  16. bluedevil

    bluedevil Active Member

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    Had bypass, cost $200,000, total out of pocket $1500.00, wonderful care. Humana Gold plan, cost $50 per month plus Medicare cost. Cost has gone up this year to $70 per month, staying with Humana.
     
  17. X Trap 2

    X Trap 2 TS Member

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    bluedevil.... what does the Humana Gold plan cover? Is there a letter prefix also? I only have A now but will need to get medical next year. I take no medications and have no problems YET. I want to be ready for when I do.I know that time will come.Ray
     
  18. coling

    coling Member

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    Humana is Medicare Part C and may include Part D - Medicare Advantage.

    This is different than the MediGap policies sold through AARP and others which are over Medicare Part B.

    You need to research Medicare Advantage before making a decision.

    In Utah it appears that Humana is dropping Medicare C (at least in my county) and Regency Blue Cross is the alternative.

    From my perspective my doctors work with Humana and not Medicare. My cost was $60 a month (plus Medicare B for $229 for my income status) including the dental option. This includes a health club membership - www.silversneakers.com - as part of the monthly cost and includes my minimal drugs.

    From the Democrat's perspective they pay Humana more than the average cost of Medicare to manage their patients. This premium is what was cut in the ACA Obamacare package and is part of what is being "discussed" in the debates.
     
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