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Medicare Assistance

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*Whew*, that Medicare post I made last year is HUGE! Several people have said they thought it was way too big to read through all of it, and for me, I don't remember what I posted! So, I am going to give you a Table of Contents! Most of these are my posts, a few are other members' posts in the thread.
  1. Medicare PPO vs HMO
  2. Medicare Supplements
  3. Medicare Part-D
  4. Medicare Supplement Plan-N vs Plan-G
  5. Medicare Part-D and Late-Enrollment Penalty
  6. Medicare Initial Enrollment Period
  7. Medicare and Group (work) insurance
  8. Medicare Supplement Plan HDF (High-Deductible Plan-F)
  9. Medicare recipients moving from one home area to another
  10. Medicare Advantage and Supplement regulations
  11. Medicare Supplement underwriting and enrollment periods
  12. Medicare Supplement and moving out-of-state
  13. Medicare and TriCare (military)
  14. Medicare Advantage plans from one area to the next
  15. Medicare agent commission
  16. Social Security Extra Help for low income, IRMAA (premium hike) for high-income
  17. How Social Security determines premiums
  18. American health insurance in a nutshell
  19. Cost of Medicare Part-B for 2020
  20. Medicare regulations on agents looking for a sale
  21. Medicare EPO vs PPO
  22. Medicare and ACA ("ObamaCare") enrollment periods
  23. Is insurance a scam?
  24. Cost to insure (about all insurance, not just health)
  25. Medicare Open Enrollment, new for 2020
  26. Silver Sneakers
  27. Medicare Special Enrollment Periods (SEP)
  28. United Healthcare and Humana travel benefit
  29. Medicare Advantage Plans' Nursing Home benefit (aka Part-A)
  30. Medicare Advantage plans' 2021 Diabetes benefits (TBA)
  31. Humana sending out health kits for COVID19
  32. Generic drugs with Medicare plans
  33. Humana WalMart Part-D plan
TS
 

clifffaith

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So how does one pick a company? I've been told I need a Medicare Supplement Plan (last year by the Aetna salesperson when Cliff was changing HMO plans) because of my back problems and likely pending surgery. I don't even know where to start to get set up for a Dec. 1st start date, other than not to answer the phone calls trying to sell me Medicare plans which started in June.
 

Talent312

Tug Review Crew: Rookie
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That "Table of Contents" is too long for my senior brain (too many numbers).

How I Picked a Supplement Plan Company...
1. Compared rates at my state's Office of Insurance Regulation. It has a searchable database.
2. From the list, I selected several with the lowest rates whose names I knew well...
... In order of rates: Aetna, Blue Cross, United HealthCare (AARP), Cigna and Colonial Penn.
3. I looked at their websites and talked to my doc's office about it which one they liked.
4. I choose UHC (AARP). They were close on $$ and my doc's office recommended them.*

*Supplement Plans are 'sposed to work seamlessly with Medicare, so no contact is usually
needed, but if there ever was an issue, perhaps it could make a difference.

Of course, YMMV.
.
 
Last edited:
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That is an issue I missed... doctor. Make sure your doctor is in network, from what I have heard in training that is the #1 complaint, a person signs up for a plan only to find out their doctor doesn't accept the plan you just signed up for. Same with medicines, plan 1 may consider it a generic while plan 2 considers it a non-preferred generic (higher copays). If you get these questions answered right off the bat, you won't have any issues once it kicks in.

TS
 
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