Medicare Medicaid Coverage Dilemma

S

Smedley

New Member
My current Advantage D-SNP plan is dropped for 2026. The company is trying to put me in a Diabetes C-SNP. Everything I've researched says D-SNP is better than C-SNP. Is that generally correct? I've read insurance companies are pushing C-SNP because call centers can sell them.
 

Smedley said:
My current Advantage D-SNP plan is dropped for 2026. The company is trying to put me in a Diabetes C-SNP. Everything I've researched says D-SNP is better than C-SNP.
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I'd never heard of those. I asked CHATGPT but it just said it depends on the specific details of the plan in the state you live in.

Do you have a choice to continue D-SNP by changing company?

Have you talked to your state's SHIP office, they are supposed to be non-biased and help people compare plans.
 
We have a Medicare insurance agent that helps us every year. It does not cost anything for him to do this, and it is really helpful in finding out which is the best plan and the best company to choose each year.
We had Humana for several years, but then changed over to Devoted Health because their coverage was better. We also have a Special Needs Plan (SNP) .
This year, Devoted dropped their vision coverage to $100, which does not really cover eyeglasses and frames, so after chatting with Jassen, we have changed back to Humana Gold SNP advantage plan.
The benefits are very good and comparable to what Devoted had, with a $500 allowance for vision, instead of the $100 Devoted has next year. this year, they had a $500 vision , so I do not know why they dropped so low.
Our agent is a broker, so he is not tied to any specific company, and he can review what each company is offering and correlate with what the person need for their coverage.

You can go online and find the company you have for medicare insurance and they are now showing the new plans for next year. before talking with Jassen, I researched UHC, Humana, and Devoted to see what each one was offering in the plans that were for SNP, so I was pretty well informed before we even had the consultation this morning. Jassen is sending us a comparison sheet to go over and then we just sign papers for the change and it will go into effect in January.
 
I looked at Medicare Advantage plans for a couple of hours today. There is an agent who I see each year before making a final decision, but I want to review all the plans first so I am somewhat familiar before seeing her. I discovered today that the UHC plan I now have will not be offered in 2026, and that there were substantial changes in other plans. I'm not through looking into all the plans, but not liking what I've seen. So far, Aetna looks most promising for my area (different plans for different zip codes).
 
MACKTEXAS said:
I looked at Medicare Advantage plans for a couple of hours today. There is an agent who I see each year before making a final decision, but I want to review all the plans first so I am somewhat familiar before seeing her. I discovered today that the UHC plan I now have will not be offered in 2026, and that there were substantial changes in other plans. I'm not through looking into all the plans, but not liking what I've seen. So far, Aetna looks most promising for my area (different plans for different zip codes).
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I had Aetna (the N plan) when I had cancer back in 2023. Between the Aetna and Medicare B, I paid nothing out of pocket for my chemo and radiation which was a lot of money!
Since then, my husband talked me into getting his insurance through the government (BCBS) which pays just about everything. I should have kept my Aetna because when he passed away, I had to give up the BCBS. When I tried getting the Aetna back the agent handling the application, did not fill it out right, so I didn't get it. I instead ended up getting Mutual of Omaha. I say all this just to tell you that I really liked my Aetna coverage and never had any problems with them except for when the agent messed up my application.
 
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Pepper said:
I don't know what you're talking about!
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That makes two of us. However, I'm going to have to find out where I stand with Medicare and Medicaid because I’m getting booted from Kaiser Permanente on the first of December since I no longer live in their service area.

I’m not covered by Medicare or Medicaid here in Thailand, of course, but I worry that if I ever return to the USA to visit family and need medical attention, I don’t want to end up spending a fortune on a procedure in the Bay Area that I can get here in Thailand for a fraction of the cost.
 
TeePee said:
I had Aetna (the N plan) when I had cancer back in 2023. Between the Aetna and Medicare B, I paid nothing out of pocket for my chemo and radiation which was a lot of money!
Since then, my husband talked me into getting his insurance through the government (BCBS) which pays just about everything. I should have kept my Aetna because when he passed away, I had to give up the BCBS. When I tried getting the Aetna back the agent handling the application, did not fill it out right, so I didn't get it. I instead ended up getting Mutual of Omaha. I say all this just to tell you that I really liked my Aetna coverage and never had any problems with them except for when the agent messed up my application.
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Thanks for letting me know your experience with Aetna. I had Mutual of Omaha 3 years ago as a Medigap (Medicare supplement) plan, and they were good too, but Medicare supplements are out of reach financially for me now. I have to stay with Advantage plans, so it's probably going to be Aetna. Hoping to have as positive an experience as you did.
 

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