Just a Vent

rose481

New Member
I am so irritated and just need to get it off my chest. Don't feel bad if you don't want to read any further. I probably wouldn't either.

DH has a supplement with Bankers and has had for several years. He was "J" which is no longer sold. DH has numerous health conditions which would make him unable to change companies or we would have a long time ago. He requires medical supplies monthly and we purchase them out of pocket. Because he does not fit nicely & neatly into Medicare's requirements, we have to prove "medical necessity" for these supplies. Every monthly claim is denied, then must be appealed. Medicare pays upon appeal and then I file a claim with Bankers. So many of our claims were paid incorrectly, I filed a complaint with the state last year. The response was that yes Bankers had made numerous errors and they were going to do better. They did for a few months, but 3 of the last 6 claims have had some problem with them. One wasn't paid at all because their scanning procedure didn't work correctly and the claim needed to be refiled, but no one told us that. Bankers claims are processed in Jamaica and while the workers are very polite, it is like talking to a brick wall...they are just "so sorry", "so sorry".

Recently, I started trying to track down someone who might have a genuine interest in fixing these issues once and for all...numerous phone calls led me to a Consumer Relations individual who was checking into issues and when she had an answer, she would be in touch. I received a letter from her two weeks ago, telling me that the claims are being paid correctly, but because of Sequestration, the amount being paid has been reduced. She enclosed a spreadsheet showing that the claims had been paid in accordance with the sequestration reduction. The spreadsheet also showed the errors made in payments of numerous claims. There is absolutely no mention of these errors in the letter! I never once, not ever mentioned the reduction in payment amount due to sequestration...I know and understand how sequestration works and how it came about, and it was not ever mentioned by me in any discussion with anyone from Bankers! The writer did give me a phone number to call should I have additional comments and/or questions. Yep! You guessed it, the phone number is for Jamaica!

I have tracked down a phone number for the individual whose signature is on the letter, and over the past two weeks, have called four times and left four messages..."she will return my call at her earliest convenience". What a dufus company!
 

Pardon my stupidity, but when you say he was a 'J' does that mean he had a Plan J?
 
Not stupidity on your part oldman...typo on mine, or poor sentence structure during my vent. Yes, he has a Supplement, Plan J, which is no longer sold...now sold as Plan F.
 

I have Plan F through Bankers as I told you before. I have never had an issue with them paying for anything, but their premiums have really skyrocketed. I tried to switch to Mutual of Omaha last year and they denied me because I take Atenolol, PRN, which means 'as needed'. I take one little tiny 25 mgs. maybe 3-5 times per month for PVC's that I get when I am either excited or stressed. I flew as a pilot for a major airline for many years and they take taking any blood pressure medicine very seriously. I had to go get a heart catheterization to make sure I had no heart problems and all was well. The airline gave me a clean bill of health, which is no walk in the park. I told all of this to Mutual of Omaha, but it made no difference.

I have heard many of my friends talk about different problems they have encountered with their supplemental policy. I have come to the conclusion that insurance companies only want subscribers that are in the best of health.
 
Thank goodness for the National Health Service in the UK, which is free to all at point of need.
 
I pay $105.00 per month for Medicare and another $201.00 per month for my supplemental and another $40.00 per month for my Part D (Rx Drugs), which I am going to be dropping come the first of the year. I spend more on the policy that I do on my Rx's, so it makes no sense to keep the Part D.

Is there any other advantage to keeping the Part D that I am not aware about?
 
Really? Do you have a specific website? I would like to see if mine are available.
 
Oldman, you are right about Bankers' premium increases...DH's policy was originally $105/month, now it's $240/month! I understand what you are saying about Mutual of Ohmaha. I tried to change to Cigna and was turned down because I had been told I needed Carpal Tunnel Release surgery, (very common, & minor surgery done on wrists after years of repetitive motion). You have to be in near perfect shape for many of these companies. Problem is, there are not many "Seniors" who are in perfect shape! I know it seems to make no sense to pay for a drug plan that you aren't using. But, as I am sure you are aware, that can change overnight. DH takes numerous drugs, one costing $2400/month before insurance, so no one here will be dropping any drug coverage. It is hard to saw what the Medicare Advantage policies will look like in the next few years, but I do know some Seniors in their 80's are dropping supplements and going with the Advantage policies because of extremely high premiums. As big a pain as Bankers has been, I am grateful for the insurance coverage...we would be destitute without it! However, in the case of our situation with Bankers, it should not be so difficult to do business with them. I do worry, that should something happen to me, how DH will handle this constant battle? I don't know that he can.
 
We were told that dh HAD to take the Medicare Part D in order to qualify for Part B? Because I agree-it costs more than the one med he takes..
 


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