I had an agent here in Texas...usually we've only tended to look at the supplements if the monthly premiums have gone up. What's the point otherwise, Rick?In about 5 weeks agents can start talking about new Part D and Advantage plan benefits. Enrollment for 2020 is October 15 - December 7.
Do you use an agent to help you and if so, does that agent contact you every year to review things?
Rick
The question was does your agent review your DRUG PLAN and/or advantage plan during the annual election period? Or do you do it alone?I had an agent here in Texas...usually we've only tended to look at the supplements if the monthly premiums have gone up. What's the point otherwise, Rick?
I look at the tiers in the drug plan to see if anything has changed, as it relates to me, and I read the dozens of brochures that come in the mail do a little checking online but that's about it.
IMO the most important thing is to read and understand the information that comes directly from medicare on what is covered, deductibles, etc...
Don't have advantage...have a supplement and Wellcare is our plan D plan which has been great.The question was does your agent review your DRUG PLAN and/or advantage plan during the annual election period? Or do you do it alone?
Rick
Aetna kept raising both our plan D and plan G ...gave us nothing and I do mean nothing. Wellcare is wonderful for generics. Thank God my husband and I are "knock on wood" healthy.i switched from humana to aetna for part d ... i pay less for the stuff i need . so i have a high deductible F plan from humana and part d is aetna .
I have a Humana Medicare PPO advantage plan that has the drug plan. My meds are tier two and are free. They are mail order and a 90 day supply. Short term meds go through Walgreens this year. I will read and see if there are any changes and decide if I want to go back to regular Medicare and have to buy a med plan and a supplement. So far its been cheaper to use Humana. I especially check co pays for rehab as I need it from time to time.
How hard is it to get back on a traditional medi-gap supplement plan after being in one of these Advantage plans, Rick?There is an advantage plan in TX for zero premium, no network. $3,000 is deposited into an account that you can use, then a gap of about $4K to 100% coverage. I'm simplifying it quite a bit but for healthy people it can make sense. Go a couple of years without a major claim and you have enough in the account to pay for anything. Drawback is no Rx plan.
Rick
As long as you can pass underwriting no problem.How hard is it to get back on a traditional medi-gap supplement plan after being in one of these Advantage plans, Rick?
And also just because you are "healthy" doesn't mean something else might happen to you, like accidents.As long as you can pass underwriting no problem.
But so many people are seduced by zero premium intel they have issues and need care. Then it’s too late to get a supplement.
Rick
True but that wasn’t the question you asked.And also just because you are "healthy" doesn't mean something else might happen to you, like accidents.
Yeah, I know. Just thinking out loud...lol. Ran into our ex business partner at the grocery today...he's paying over 200 bucks each, for he and his wife on their monthly supplement from AARP.True but that wasn’t the question you asked.
Rick
Wow, that seems high. Know it does vary from state to state though. We are pretty fortunate so far, don't have to worry about any possible high out of pocket costs as far as I know... and have very good pricing on the supplements. Do feel for folks that can't afford to have the supplement insurances.an f-plan here in ny is over 300 a month per person . buthere in ny we can change plans with no under writing and we have no age based increases like most other states .. we pay over 2k a year less per person for a high deductible plan ... we may spend a few hundred out of pocket a year and keep the difference ... at the very worst it is no worse than the extra 2k it cost for the f-plan
Assume you meant "each of you pay $200 a month? Sure Greensky can elaborate, but thinking if you go to plan G you could save maybe 800 or 900 bucks net (after you meet the 184. deduct each year). Its value added. Same benefits as F, just you pay the deduct. The premiums are certainly much lower. We switched. Know prices vary from state to state, that's a given.Our agent reviews Part D....we are using well care this year. We have Plan F and have been pleased with it, but the premiums are about $200 a month.
Yes, we each pay around $200. Thanks.Assume you meant "each of you pay $200 a month? Sure Greensky can elaborate, but thinking if you go to plan G you could save maybe 800 or 900 bucks net (after you meet the 184. deduct each year). Its value added. Same benefits as F, just you pay the deduct. The premiums are certainly much lower. We switched. Know prices vary from state to state, that's a given.
Yes, we each pay around $200. Thanks.