Quote:
Originally Posted by Lillypoo
Does anyone have Physicians Mutual Insurance as their supplemental insurance for Medicare?
I am a snowbird and Physicians Mutual is wonderful in Wisconsin. But is it good in The Villages.
I need to decide between AARP and Physicians Mutual soon. Any other Wisconsin snowbirds?
Also does anyone know if it is a hassle to switch companies if I decide to live in The Villages fulltime? Please only useful feedback. Thank you.
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With a Medicare Supplement, if Medicare covers its portion of the bill, the supplement company will cover the remainder. In other words, if Medicare pays 80%, the supplement insurance company will pay the remaining 20%.
Conversely, if Medicare won't cover a procedure or test, the supplement insurance company won't either.
That's one of the major benefits of having a supplement plan -- no out-of-network issues to deal with. Granted, this comes at a cost -- the premiums are not the cheapest when compared to other insurance options, such as advantage plans.