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The Water Cooler
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senior supplemental health insurance
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<blockquote data-quote="JD8" data-source="post: 3042762" data-attributes="member: 24"><p>So this man has it straight. </p><p></p><p>To the OP, from what I understand they were cutting medicare ADVANTAGE plans in Roger county. Medicare Advantage plans are junk, you essentially sign your rights of medicare away to an insurance carrier. If they are dropping the plans you should be able to back to Medicare A+B and get a supplemental without being underwritten but I'm not 100% sure in the case of a carrier dropping the plan. Either way, just pick the carrier with the cheapest Plan F or G, whichever suits your needs. A description of the plans are on the medicare website. </p><p></p><p>To everyone else, medicare supplemental plans are essentially cookie cutter plans dictated by the government. The coverage cannot an will not change from carrier to carrier within the respective plan. The reason being is that Medicare is your primary insurance, the supplemental is the secondary. When you go in for any procedure, medicare is on the front end, and then tells the insurance carrier what they HAVE to pay. It's all the same. For instance, a plan G with USAA is and must be, exactly the same as a Plan G from Cigna, Blue Cross, etc. However, keep in mind they can play with the coverage networks. So in essence anyone that has USAA supplemental insurance vs. Cigna, Blue Cross, Mutual of Omaha, etc is no better off than anyone else when they are on the same plan. The only difference is price..... and USAA is/was almost always more expensive in Oklahoma than several other carriers. Just a head up.</p></blockquote><p></p>
[QUOTE="JD8, post: 3042762, member: 24"] So this man has it straight. To the OP, from what I understand they were cutting medicare ADVANTAGE plans in Roger county. Medicare Advantage plans are junk, you essentially sign your rights of medicare away to an insurance carrier. If they are dropping the plans you should be able to back to Medicare A+B and get a supplemental without being underwritten but I'm not 100% sure in the case of a carrier dropping the plan. Either way, just pick the carrier with the cheapest Plan F or G, whichever suits your needs. A description of the plans are on the medicare website. To everyone else, medicare supplemental plans are essentially cookie cutter plans dictated by the government. The coverage cannot an will not change from carrier to carrier within the respective plan. The reason being is that Medicare is your primary insurance, the supplemental is the secondary. When you go in for any procedure, medicare is on the front end, and then tells the insurance carrier what they HAVE to pay. It's all the same. For instance, a plan G with USAA is and must be, exactly the same as a Plan G from Cigna, Blue Cross, etc. However, keep in mind they can play with the coverage networks. So in essence anyone that has USAA supplemental insurance vs. Cigna, Blue Cross, Mutual of Omaha, etc is no better off than anyone else when they are on the same plan. The only difference is price..... and USAA is/was almost always more expensive in Oklahoma than several other carriers. Just a head up. [/QUOTE]
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