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I have it, a regular plan F and I love it, so far I have had no problems with it. I chose it because it is about the only company with community pricing, which is much better than age based or the other ones they base rates on. I personally have not heard anything bad about it, but being a HUGE company I am sure there are some people with negative experiences just like every other company, but I am sold on it.
I will probably change to plan G when offered but only because plan F is going away in 2020.
My hubby has had this since January 1st and me since July 1st. So far so good (knock on wood). The main reason we picked this was that the rates are community based and not age based. Hopefully this will keep the rates semi-reasonable, at least for awhile. Although once the "F" plan is closed I am going to watch the rates and if I find them going up too much we will probably switch to their new "G" plan. That's another nice thing is that you can switch between plans without medical underwriting. We got in during our guaranteed acceptance enrollment, so we should be good. They actually lowered their rates starting in July due to some new formula. They pretty much have the same rules as everybody else. If Medicare totally denies a claim, they won't pay for it either. As far as I know, if a doc takes Medicare they also take the supplement, so we haven't had a problem with our docs not taking it.
I think it was the lowest cost "F" plan offered to us, or if not it was pretty close. We have friends who have had this for 4 or 5 years and claim they haven't had to pay a penny out of pocket. You just have to make sure you are following the Medicare rules to avoid denial of claims.
I wrote a review of AARP's Medicare Supplement insurance business a few years ago. It is a bit dated since they now offer Plan G. Their discount has now been updated to apply through age 77 in most states instead of age 75. Over time, they have been the best company at keeping their annual rate increases consistently low - in the low to mid single digits. There are some considerations that could make someone consider a policy with another company, and I discuss them in my review. Hope this helps.
I've had it since 2009. It's worked well for me. Premiums have gone up in that space of time from $185/month to $231 next year. But it's good value for money. Have never had to call them about non-payment of anything I have had done.
I've had it since 2009. It's worked well for me. Premiums have gone up in that space of time from $185/month to $231 next year. But it's good value for money. Have never had to call them about non-payment of anything I have had done.
Have some questions. Currently I have an Advantage Plan, my monthly premium is -0-, and my copays are $5 for PCP, and $40 for specialists. I see a specialist five times a year, and my PCP usually twice a year, that comes to $210/year. The most I've ever paid above the amount the insurance covered was around $35. The plan also includes prescriptions.
How would I benefit by selecting a Supplemental plan that would cost me $2,772 in premiums alone?
What am I missing? I'm not be facetious, I truly want to know esp with the open enrollment period soon upon us.
Advantage plans have a lot more restrictions. If it's working for you, then stick with it. Everyone's situation is different. This works for me. I've had some pretty expensive stuff done and not paid a dime!
Advantage plans have a lot more restrictions. If it's working for you, then stick with it. Everyone's situation is different. This works for me. I've had some pretty expensive stuff done and not paid a dime!
Thank you for responding.
When you say 'restrictions', Are you referring to surgical procedures?
Provider choices, procedures etc. My plan is an older plan that covers a lot, and one they no longer offer.
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