Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#1
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Change Medicare plans and or ask for better rates?
I hate to hassle with salespeople and usually just stick with what I have. However, I do call XM radio every year to ask for a better price before they automatically enroll me for another year at a much higher price. This year, I rejected one and then listened to another person on the phone who advised me to apply for a better Medicare part D policy rate.
I was paying $78 per month for a premium part D drug plan. Per advice from the phone caller I called the firm that I use for the part D coverage to request a lesser plan as the two drugs that I take are covered under a lesser plan where I will pay $0 dollars per month. I should have adjusted/questioned my policy years ago. As that sounded good, I decided to call my Medicare supplement firm to ask them for a better rate. I now have a new policy with G coverage, identical coverage using the same firm that I have had for 7 years. My new monthly rates will be reduced from $395 per month to paying $244 per month. So, I will be saving $229 per month with the same coverages after spending a few hours on the phone. In the future as with XM radio rate increases, I may be proactive and ask for better rates rather than just excepting rate increases as inevitable. |
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#3
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OP did you look at the difference between Plan G and Plan N, if not you should.
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“Living is Easy with Eyes Closed” |
#4
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I did not look at the Plan N as G really worked well paying everything when I had open heart surgery 3 1/2 years ago. Again, I tend to stay with what I have as long as costs and coverages are working OK for me. I am happy to have basically the same coverage using the firms I am familiar with while spending less.
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#5
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#6
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Plan N is anywhere from $30 to $50 a month less. Other then the doctor copay they are the same plan.
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“Living is Easy with Eyes Closed” |
#7
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Now, I'm getting the same from XM. Same songs, over and over. I'm sorry, if you have a whole decade to pick from, I shouldn't have to hear the same songs every day at the same time.
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RIF Reading is fundamental (but not here) |
#8
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too bad you all did not get plan F when it was available. I pay no deductible, no co-pays, nothing for the
ER. My premium is $220/month. Just changed to Wellcare Value Script for my part D and the premium is ZERO. Talk to the people at SHINE before Dec 7 and switch to Wellcare!! Last edited by bowlingal; 11-20-2023 at 06:33 AM. |
#9
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#10
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In many locations, Plan G is a better deal than Plan F. The only difference between Plan F and Plan G is Plan F includes the $240 Part B deductible and Plan G doesn't. However, the annual premium for Plan G is typically less than the annual premium for Plan F by more than $240. I also just switched to the Wellcare Part D drug plan.
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#11
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You mean Plan F.
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#12
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Supplement plans do not cover drugs. I have a plan g supplement plan. They probably gave you one of the new plan g policies that are a high deductible so it might sound up front you are getting a deal until you use it, then it isn’t. Similar to comparing an advantage plan to a normal deductible plan g. Up front, the advantage plan looks great, $0 cost, drugs, eyes, on and on. But what they don’t tell you is that 99% of the time a dr recommends a medical service like an mri/catscan, or hundreds of other procedures, the advantage plan denies the service. This is a fact. This is so bad that congress is getting involved to create new laws that will eliminate or at least curtail these denial moved from advantage plans. Medicare does not require any pre-authorization of any dr work so if you use Medicare with any supplement, you will never be denied of medical work.
This just happened to me, I called my drug supplement people and they told me if I would go with the advantage plan, I would save money each year over what I paid last year with my plan g. They are correct because I went on a multiple fact finding mission to see if this was true. I found that 11 million people were denied medical service from advantage plans, that’s 1 way to save money, deny the work and both parties save. Also, most of these 11 million people did not fight the denial so they either didn’t do the service or they paid for it out of pocket. Before going with any advantage plan, do your homework about this, or wait until Congress fixes this, but while you are waiting go with a plan g supplement |
#13
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reapply
you can reapply for plan D every year and get a new rate from the medicare site
PS Medicare supplementals HAVE to take you even with medical problems a couple months around 65 birthday BUT after that they can all refuse you. DON"T let your plan lapse if you have had problems |
#14
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As far as I know, Plan G has the same coverage no matter who you're with - are you getting something more? I pay $124/mo for AARP/UNH - Plan G.
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"He who dares not offend cannot be honest." Thomas Paine |
#15
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"He who dares not offend cannot be honest." Thomas Paine |
Closed Thread |
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