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Started with "AARP from Secure Horizons", aka UHC , in CO. Then changed to UHC in CT, then after a typical go-round over a denied claim, dropped them and went with Connecticare in CT.
All are HMOs. Connecticare is a Connecticut-only insurer. For 18 months now all claims have gone smoothly.
However as I get older, am seriously considering dropping the MA and going with a Medigap hi-d Plan F. CT is one of the few states that allow such a switch with no issues. Un fortunately Connecticare does not do any Medigaps.
Yep - usually the smaller MA's are less problematic. Tufts on the East Coast seems to perform fairly well.
I, too, have an hd-F w/Physicians Mutual, but have always felt the premium was too high at $74/mo. Recently learned that Standard Life & Accident out of Texas is offering an hd-F for my age (73) - annual premium $60/mo; otherwise about $63/mo. Not listed on medicare.gov for WI, but are listed in annual State of WI Ins. filings, which is how I found them two months ago. SLAICO should be licensed in CT according to Weiss and financial strength is rated A-.
I sent an email through their website and got an immediate response from an in-house licensed agent. Texas-based companies seem to offer lower rates I've noticed from posters here on CD. You might put them on your list when the time comes.
Last edited by Ariadne22; 06-20-2015 at 09:54 PM..
Yep - usually the smaller MA's are less problematic. Tufts on the East Coast seems to perform fairly well.
I, too, have an hd-F w/Physicians Mutual, but have always felt the premium was too high at $74/mo. Recently learned that Standard Life & Accident out of Texas is offering an hd-F for my age (73) - annual premium $60/mo; otherwise about $63/mo. Not listed on medicare.gov for WI, but are listed in annual State of WI Ins. filings, which is how I found them two months ago. SLAICO should be licensed in CT according to Weiss and financial strength is rated A-.
I sent an email through their website and got an immediate response from an in-house licensed agent. Texas-based companies seem to offer lower rates I've noticed from posters here on CD. You might put them on your list when the time comes.
Only 5 of 14 insurers offer hd-F, from $50 to $88/month.
Medicare's Finder page lists 2 versions of Humana. (?)
Call or email SLAICO directly to be sure. SLAICO was not listed by WI insurance commissioner at all prior to March 2015 - BUT agent said they'd been selling hd-F in WI since Sept. 2011.
From her email:
Quote:
We released the Fhd option in WI in Sept 2011
Go figure.
This is contact for in-house SLAICO agent who replied to my inquiry:
Melonie.Adams-Michael@SLAICO.COM
Marketing Representative/ Licensed Insurance Agent
Standard Life and Accident Insurance Co.
1-888-290-1085, ext. 3552
Direct Fax: 281-334-8120
Looking at your list, Colonial Penn D-rating (per Weiss); Globe has a B; United American a B-.
I've concluded one has to double and triplecheck everything these days. Not only is Medicare site not current (lists two carriers in WI no longer offering hd-F's in WI for at least two years, and fails to list two others which are [SLAICO; Colonial Penn] - probably more out there I don't know about), insurance commissioner pdfs on filings are not current (see above), and independent agents may not tell you about this, either. Saw a supposed Medicare "specialist" independent agent (60 y/o, in business a long time) about a month ago - he knew nothing about hd-Fs (only sold regular Medigaps, apparently) - asked me to explain how it 'worked.'
Last edited by Ariadne22; 06-21-2015 at 05:20 PM..
....when United Health Care and Atnea buy up the smaller insurance companies, these days will be the "good old days." Less competition cannot be good for the patients in need of care.
Cigna is fighting the attempted takeover bid from Anthem.
"Los Angeles resident Madelyn Gilbreath, 62, said her Anthem Blue Cross premium jumped 15% this year, and she worries about what will happen if the company swallows up another rival.
“Anthem is a predatory company all about making money,” she said. “They are not about paying doctors a reasonable amount or expanding access to care. It's very frightening.”
"Los Angeles resident Madelyn Gilbreath, 62, said her Anthem Blue Cross premium jumped 15% this year, and she worries about what will happen if the company swallows up another rival.
“Anthem is a predatory company all about making money,” she said. “They are not about paying doctors a reasonable amount or expanding access to care. It's very frightening.”
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, in CO. Then changed to UHC
, dropped them and went with Connecticare in CT.
