Talk of The Villages Florida

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-   Medical and Health Discussion (https://www.talkofthevillages.com/forums/medical-health-discussion-94/)
-   -   Supplement health ins. (https://www.talkofthevillages.com/forums/medical-health-discussion-94/supplement-health-ins-120181/)

Shirleevee 07-18-2014 09:46 AM

Quote:

Originally Posted by Madelaine Amee (Post 908998)
We, also, have AARP United Healthcare Plan J. Plan J is no longer available, luckily we are grandfathered. Excellent health insurance.

AARP/UHC F is great, I have NOT paid a cent in two years and I go to many doctors

gerryann 07-18-2014 10:14 AM

Quote:

Originally Posted by Shirleevee (Post 909382)
AARP/UHC F is great, I have NOT paid a cent in two years and I go to many doctors

Is it true that if you go with a supplement plan F, as you have, that you can not switch back to an advantage plan in the future? It sounds like you can switch to a different supplement plan, but not back to an advantage plan? Hope this makes sense.

gerryann 07-18-2014 10:38 AM

Also, those that have a supplement, such as part f through AARP/UHC, what do you use for prescriptions?

eweissenbach 07-18-2014 10:42 AM

Quote:

Originally Posted by CFrance (Post 909375)
Okay, questions to llaran and Jimmy D.

Is it true you can switch to another supplement (not advantage) at any time?

Where does one go to sign up for United Health supplement if not using an agent?

You can sign up through AARP, go to their website

RErmer 07-18-2014 02:16 PM

Quote:

Originally Posted by billethkid (Post 908992)
AARP is among the most comprehensive supplements available. We have yet to come across aything, including major illnesses like cancer and surgeries, that are not covered.

I diagree with AARP political positions but cannot fault their products.

Just a note - for supplements (Also called Medigap) in Florida, Plan F from AARP/UHC is identical to Plan F from any other insurer. Supplements are standardized and coverage does not vary; similarly, Plan G is Plan G no matter who you buy it from.

RErmer 07-18-2014 02:19 PM

https://apps.fldfs.com/mcws/CWSSearch.aspx

This is the state website where you can research rates for supplement plans.

CFrance 07-18-2014 02:29 PM

Quote:

Originally Posted by RErmer (Post 909516)
https://apps.fldfs.com/mcws/CWSSearch.aspx

This is the state website where you can research rates for supplement plans.

I went to that site and have a question they do not explain. What is the difference between "select" and "standard"?

They want age, gender, smoker/non smoker/ zip code, and opposite "type of insurance" they want select or standard. But they do not explain what that is.
Do you know, RErmer? The selections are quite difference for each.

RErmer 07-18-2014 02:47 PM

Quote:

Originally Posted by CFrance (Post 909522)
I went to that site and have a question they do not explain. What is the difference between "select" and "standard"?

They want age, gender, smoker/non smoker/ zip code, and opposite "type of insurance" they want select or standard. But they do not explain what that is.
Do you know, RErmer? The selections are quite difference for each.

Standard plan - you can go to any Medicare provider. Select plan- have to go to network providers, not usually recommended even though it's less expensive.

RErmer 07-18-2014 02:51 PM

Quote:

Originally Posted by gerryann (Post 909405)
Is it true that if you go with a supplement plan F, as you have, that you can not switch back to an advantage plan in the future? It sounds like you can switch to a different supplement plan, but not back to an advantage plan? Hope this makes sense.

You can switch back to an advantage plan during the annual enrollment period (for 1/1 effective date). However, if you go back and forth repetitively you would not have a guaranteed right of issue for the supplement. The first time you go into an advantage plan you have a 12 month period to switch back and still have guaranteed issue on a supplement. It's complicated. Go to Medicare.gov: the official U.S. government site for Medicare for more detail.

llaran 07-18-2014 04:17 PM

When you go on an Advantage Plan - you do not have regular medicare A and B, you must go to the plans Dr's. you can enroll or change during the enrollment period, the same as when you were working.
all Supplements are the same as people have said; because years ago salesmen would sell "old" people several plans, so the Gov regulated the plans, A thru N. they are the same no matter who sells it, except for the price.
We Humana for rx's - the walmart store and mail order. Call me if you need addl info 352-751-3979

CFrance 07-18-2014 06:01 PM

Quote:

Originally Posted by RErmer (Post 909540)
Standard plan - you can go to any Medicare provider. Select plan- have to go to network providers, not usually recommended even though it's less expensive.

Thank you. My husband's Mutual of Omaha supplemental plan F has increased from under $100/mo to almost $300/mo in five years, despite the fact that he is extremely healthy and has only used it for annual physicals and one colonoscopy. So we want to change his to United Healthcare. But it was our understanding that we had to wait till the open enrollment period. It would be great if we could do it now.

JGVillages 07-18-2014 08:18 PM

IF YOU ARE OVER 65 >>>We have had Blue Cross/Blue Shield (Florida Blue) Advantage Plan (PPO and currently HMO). $0 premium (still pay the $105 deduction from Social Security) / $0 Co-pay for Primary / small Co-pay for specialists. Some dental/vision/hearing benefits. We went with the Florida Blue plan because my wife had successful cancer surgery almost 4 years ago and Moffit Cancer Center (One of the Best) in Tampa accepts FL Blue advantage plan where they do not accept United Healthcare Advantage plans. Of course both United Healthcare and FL Blue offer Supplemental plans at a greater premium $300-400 ish per month. Because of OBAMMA CARE we can all expect considerable premium increases or decreases in coverage to offset increases in the coming years. My FL Blue agent here is Mid-Florida Agencies / Wayne Tutt / 352-259-0666. He can explain both the Advantage and Supplemental plans with FL Blue. Whatever you decide expect to be review your coverage annually.

champion6 07-18-2014 08:41 PM

Quote:

Originally Posted by gerryann (Post 909423)
Also, those that have a supplement, such as part f through AARP/UHC, what do you use for prescriptions?

We use a Prescription Drug Plan (Medicare Part D). Sign up during open enrollment period. The plans can be seen any time at medicare.gov.

Shirleevee 07-18-2014 10:45 PM

Quote:

Originally Posted by JGVillages (Post 909695)
IF YOU ARE OVER 65 >>>We have had Blue Cross/Blue Shield (Florida Blue) Advantage Plan (PPO and currently HMO). $0 premium (still pay the $105 deduction from Social Security) / $0 Co-pay for Primary / small Co-pay for specialists. Some dental/vision/hearing benefits. We went with the Florida Blue plan because my wife had successful cancer surgery almost 4 years ago and Moffit Cancer Center (One of the Best) in Tampa accepts FL Blue advantage plan where they do not accept United Healthcare Advantage plans. Of course both United Healthcare and FL Blue offer Supplemental plans at a greater premium $300-400 ish per month. Because of OBAMMA CARE we can all expect considerable premium increases or decreases in coverage to offset increases in the coming years. My FL Blue agent here is Mid-Florida Agencies / Wayne Tutt / 352-259-0666. He can explain both the Advantage and Supplemental plans with FL Blue. Whatever you decide expect to be review your coverage annually.

I have Medicare and a Medi-Gap AARP/UHC policy and do not pay $300.00 per month.

Shirleevee 07-18-2014 10:47 PM

Go to Medicare.gov and look-up the Medi-Gap policies


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