Quote:
Originally Posted by LvmyPug2
I went to the Medicare Store at LSL last week as I'm turning 65 soon. I wanted info on both the Medicare Advantage and Supplement Plans offered by United Health Care. What I got was a hard sales pitch for their advantage plan that was filled with misleading and at time totally false info. I was shocked by their sales tactics and misrepresentation. Here are some of the things the sales rep told me that I have since learned is simply not true: 1) "no one in the Villages ever meets their annual $4500 out of pocket maximum" (I must live in an unlucky neighborhood because 2 neighbors shared with me they met their $4500 and 3 paid over $2500 last year). 2) "the only people who buy a supplement are those who have it paid for by their employer as a part of a retiree benefit" (this is simply not true. I personally know of many people who have a supplement who pay for it themselves). 3) "A supplement plan and Part D plan will cost you $3500/yr". (fact: a F plan costs $2200/yr and a N plan will cost only $1800/yr. A part D plan start at $18/mo and the average premium people pay is $30-35/mo. This equals far less than the $3500/yr the rep quoted) 4) " a Part D plan with $O deductible will costs you $80/mo". (fact: Silver Script costs $26.40/mo for a $0 deductible plan). I'm so glad I went to see a SHINE counselor. They don't sell anything. They just gave me the facts about all the various plans/options and costs. If you go to a "Medicare Store" just remember they are sales people, just like those at your local car dealership. And like at a car dealership there are sales people who will say or do anything, including lie, to get that sale.
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But, but, their name sounds so...paternalistically benevolent you just want to sit down with them and trust everything they say. You’re smart.
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