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Originally Posted by Villages Kahuna
Many people are “tied” to the insurance company chosen by their employer. But for those that have a free choice, I can tell you all from first hand experience which insurance company NOT to use.
Florida Blue is the worst insurance company I have ever had the misfortune to use. You will have to get their pre-approval to go to any doctor or specialist other than your primary care doctor, as well as many procedures. And Florida Blue is slow, slow, slow in providing such approvals of your doctor’s referrals and ordered treatments.
Once, on a Friday afternoon Florida Blue simply went home for the weekend and told me to call back Monday morning. My primary care doctor was enraged and sent me to the ER because the condition he ordered be treated was life-threatening. Even though the ER was a long wait, at least he knew I would be treated Friday evening.
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The kind of plan you are referring to had to be some kind of Advantage or HMO plan. True Medicare supplemental insurance or Medi-Gap, as most insurance companies refer to it, do not normally require referrals. Medicare would be considered primary and billed first, no matter Florida Blue, United Health or AARP.