I’m writing this in my hotel room in Milwaukee where I will be speaking to a gathering of local business and community leaders later today about what they need to understand about Big Insurance.
My husband and I are trying to change from Aetna Medicare Advantage back to Medicare with a Medicare Gap Plan and a Drug Plan. It is the most confusing process and one that many people don't tackle because it is so hard to do. Is it safe to choose a Medigap plan G from UnitedHealthCare? Also trying to understand the Drug plans is overwhelming. HELP!
Hi, Anna. I am a retired doctor, not an insurance agent/broker, so this is my opinion only. If UnitedHealthCare's Medigap plan G works for you and your husband, go with it. This is supplemental insurance so your new primary, Medicare, determines what is covered, not your Medigap, unlike when UHC is functioning as the primary insurer as it does as a Medicare Advantage insurer. Hope that helps.
Hi Anna! I’m a Medicare expert who does NOT sell insurance. We help people each and every day who are in bad Medicare situations try to get to a better place. No pressure at all but if you’d like you can check us out at www.65incorporated.com. We work like accountants or lawyers. We work for you -- not insurance companies. The difficulty in your situation is that you’ll likely need to go through medical underwriting to get a Medigap policy. This means, depending on your health, you may not be able to get a policy.
This is the kind of journalism we need more of; I've just increased my monthly contribution to HEALTH CARE un-covered. Keep up the great work, Wendell, and your tireless devotion to exposing the profiteering commercial health insurers masquerading as Medicare.
Wendell, this is an excellent read. I have the opportunity to sit in on multiple discharge planning meetings in rehab facilities. I am a sponge and listen intently to what is being said. I attend because I assist in coordinating what happens once they leave the facility. Navi is in one of the meetings, active participants, review each patient in detail and discuss dates of discharge. When lengths of stay are discussed, Navi/MA length of stay is usually 5-7 days shorter than traditional Medicare. People do not know this. Thank you for surfacing.
The horrors of Medicare Advantage are profound and prevalent. It’s great coverage when you’re healthy... but how many seniors do you know stay healthy until their final days? Medicare Advantage can be a nightmare when you need care- network restrictions, delays in care or outright denials of care due to prior authorization, lots of copays, and very few truly “free” benefits. Buyer Beware!!
My mother and I started a company to try to help people navigate Medicare confusion and avoid biased sales pitches. We do NOT sell insurance. We work for our client and no one but our clients. No one has to work with us but you can if you feel like it’s the right fit for you. www.65incorporated.com
I was on an AARP/UnitedHealthCare MA plan for 7 years, but last year, after reading Wendell's posts I switched back to traditional Medicare.
Now, I'm really glad that I did as I have been diagnosed with lung cancer and I'm expecting that my doctors may recommend some expensive leading edge therapies that could be subject to the same kind of denials as we see with nursing and rehabilitative care.
My husband and I are trying to change from Aetna Medicare Advantage back to Medicare with a Medicare Gap Plan and a Drug Plan. It is the most confusing process and one that many people don't tackle because it is so hard to do. Is it safe to choose a Medigap plan G from UnitedHealthCare? Also trying to understand the Drug plans is overwhelming. HELP!
Hi, Anna. I am a retired doctor, not an insurance agent/broker, so this is my opinion only. If UnitedHealthCare's Medigap plan G works for you and your husband, go with it. This is supplemental insurance so your new primary, Medicare, determines what is covered, not your Medigap, unlike when UHC is functioning as the primary insurer as it does as a Medicare Advantage insurer. Hope that helps.
Hi Anna! I’m a Medicare expert who does NOT sell insurance. We help people each and every day who are in bad Medicare situations try to get to a better place. No pressure at all but if you’d like you can check us out at www.65incorporated.com. We work like accountants or lawyers. We work for you -- not insurance companies. The difficulty in your situation is that you’ll likely need to go through medical underwriting to get a Medigap policy. This means, depending on your health, you may not be able to get a policy.
This is the kind of journalism we need more of; I've just increased my monthly contribution to HEALTH CARE un-covered. Keep up the great work, Wendell, and your tireless devotion to exposing the profiteering commercial health insurers masquerading as Medicare.
Wendell, this is an excellent read. I have the opportunity to sit in on multiple discharge planning meetings in rehab facilities. I am a sponge and listen intently to what is being said. I attend because I assist in coordinating what happens once they leave the facility. Navi is in one of the meetings, active participants, review each patient in detail and discuss dates of discharge. When lengths of stay are discussed, Navi/MA length of stay is usually 5-7 days shorter than traditional Medicare. People do not know this. Thank you for surfacing.
The horrors of Medicare Advantage are profound and prevalent. It’s great coverage when you’re healthy... but how many seniors do you know stay healthy until their final days? Medicare Advantage can be a nightmare when you need care- network restrictions, delays in care or outright denials of care due to prior authorization, lots of copays, and very few truly “free” benefits. Buyer Beware!!
My mother and I started a company to try to help people navigate Medicare confusion and avoid biased sales pitches. We do NOT sell insurance. We work for our client and no one but our clients. No one has to work with us but you can if you feel like it’s the right fit for you. www.65incorporated.com
I was on an AARP/UnitedHealthCare MA plan for 7 years, but last year, after reading Wendell's posts I switched back to traditional Medicare.
Now, I'm really glad that I did as I have been diagnosed with lung cancer and I'm expecting that my doctors may recommend some expensive leading edge therapies that could be subject to the same kind of denials as we see with nursing and rehabilitative care.
Y'all stay safe out there.