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Medicare Supplemental Insurance
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Medicare & Insurance
Medicare Supplemental Insurance
Share Medicare dos and don’ts, including eligibility and supplemental insurance.
The enrollment period is now over and I am still learning!! I found that Mutual Of Omaha has a supplemental plan that is #30.00 less per month and Next November will be $40.00 less!!!  
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Cat:91a4afbf-9555-4e02-b9d3-9eef604476f6Forum:c79f53c3-fa71-4e76-b517-aef042efd7ff
Cat:91a4afbf-9555-4e02-b9d3-9eef604476f6Forum:c79f53c3-fa71-4e76-b517-aef042efd7ffDiscussion:a47e83bd-7b91-4996-b4da-ca01a07ac74a
Forums » Health » Medicare & Insurance » Medicare Supplemental Insurance
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Medicare Supplemental Insurance
posted at December 21, 2011 1:53 PM EST
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Posts: 2
First: November 26, 2011 Last: December 21, 2011 |
The enrollment period is now over and I am still learning!! I found that Mutual Of Omaha has a supplemental plan that is #30.00 less per month and Next November will be $40.00 less!!! I also found that AARP Supplement F which I have since 2005 was "Modernzed" in 2010 and was $20.00 less. No one ever told me this!! To get into this "Modernized Plan" i would have to go thru underwriing and this "Modernized Plan" is still $14.00 more than Mutual Of Omah. I know AARP sells the use of its name but I did not expect too get ripped off. |
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Re: Medicare Supplemental Insurance
posted at January 3, 2012 3:44 PM EST
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Posts: 19
First: January 3, 2012 Last: March 4, 2013 |
In Response to Medicare Supplemental Insurance: The enrollment period is now over and I am still learning!! I found that Mutual Of Omaha has a supplemental plan that is #30.00 less per month and Next November will be $40.00 less!!! I also found that AARP Supplement F which I have since 2005 was "Modernzed" in 2010 and was $20.00 less. No one ever told me this!! To get into this "Modernized Plan" i would have to go thru underwriing and this "Modernized Plan" is still $14.00 more than Mutual Of Omah. I know AARP sells the use of its name but I did not expect too get ripped off. Posted by brianponyboy THANKS FOR THAT TIDBIT...../WE JUST RESIGNED FOR THE YEAR 2012. MY HUSBAND JUST TURNED 65 JUNE2011/ I TURN 65 THIS APRIL..I MAY RESEARCH THIS. I AGREE ONE WOULD THINK AARP WOULD GET THE BEST BANG FOR YOUR BUCK. WE HAVE ONLY HAD 3 SMALL CLAIMS AND TODAY I JUST FOUND OUT THAT ONE OF OUR CLAIMS WILL NOT BE PAID. IT IS FOR A TETNUS SHOT THAT HIS DR. SAID HE SHOULD GET SINCE IT HAD BEEN OVER 10 YEARS. MEDI CARE DOES NOT PAY UNLESS YOU GET UNJURED AND SO NEITHER DOES AARP....... |
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Re: Medicare Supplemental Insurance
posted at January 4, 2012 11:19 AM EST
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Posts: 1923
First: November 27, 2011 Last: May 18, 2013 |
In Response to Re: Medicare Supplemental Insurance: In Response to Medicare Supplemental Insurance : . . . . ONE WOULD THINK AARP WOULD GET THE BEST BANG FOR YOUR BUCK. WE HAVE ONLY HAD 3 SMALL CLAIMS AND TODAY I JUST FOUND OUT THAT ONE OF OUR CLAIMS WILL NOT BE PAID. IT IS FOR A TETNUS SHOT THAT HIS DR. SAID HE SHOULD GET SINCE IT HAD BEEN OVER 10 YEARS. MEDI CARE DOES NOT PAY UNLESS YOU GET UNJURED AND SO NEITHER DOES AARP....... Posted by torchy616 Would you NOT have had it if you had known that your Medical coverage would not pay? Think of the advantage that he got from following the docs order - now if he steps on a rusty nail years from now, you only have to remember that he got it and when. Docs do a great job in selling services of this kind when they know they will get an added dollar benefit from your pocket. Who's in charge of your health and wellbeing - you or your insurance? Be that Medicare & Supplemental coverage or under a Medicare Advantage Plan. ALL the insurance that I have ever had gives specific instructions on what IS and IS NOT covered. Medicare or a Medicare Advantage Plan is NO different, it is spelled out pretty specifically. Normally, a Medicare supplemental ONLY pays their percentage on the ALLOWABLE Medicare charges, If it is NOT covered under the Medicare plan, then it is not covered under the supplemental plan. Medicare Advantage is more akin to private insurance plans with many rules set in place by Medicare (HHS) - the insurer may add some perks to entice you and it could be that a MA plan is better for your overall coverage depending upon other deciding factors. As with any choices in health insurance coverage, you should understand it completely, be that all parts of Traditional Medicare- Part A,B, D,etc., a supplemental policy to Medicare coverage or a MA plan. You should have few surprises in what is and what is not covered if you understand your coverage completely. |
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Re: Medicare Supplemental Insurance
posted at January 11, 2012 2:47 PM EST
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Posts: 281
First: July 2, 2009 Last: January 9, 2013 |
In Response to Re: Medicare Supplemental Insurance: SO.....AARP WHAT IS YOUR ANSWER TO THIS POST? DO YOU HAVE A REBUTTAL? Posted by torchy616 Enrollment in a Medicare Supplement Plan is not normally subject to the Medicare Annual Enrollment Period. You can usually make changes throughout the year. The rates of the AARP Medicare Supplement Plans are based on claims experience, projected medical inflation, and the loss ratio. The loss ratio is determined by the difference between the amount received in premiums as compared to the amount paid in claims, along with the projected premiums and claims for the following year. Once the loss ratio has been calculated, rates are adjusted for each state and area. AARP has an independent actuarial firm review the rates to ensure that they are based on sound assumptions of use and cost by program participants. The Trustees of AARP Health Care Options must also review and approve the rates, taking into consideration United HealthCare’s recommendations and the opinion of the actuarial firm. Once the Trustees approve the rates, they are presented to each State Insurance Commissioner for final approval. Please keep in mind that AARP Health Care Options is a group program. Rates are calculated on the state or area level, not on an individual basis. Any rate change will apply to all members living in your area who have the same plan as you. Medicare Part B covers vaccines to prevent flu, pneumonia, and hepatitis B (if the person is at medium or high risk). It will also cover other immunizations only if the person has been exposed to a disease or condition. This includes tetanus if the person has stepped on a rusty nail. Otherwise, a tetanus booster should be covered under a Medicare Part D Plan. If you have a Medicare Part D Plan, you should check with them to see how to submit the claim. If you would like to discuss your specific questions on the AARP Medicare Supplement Plans, please send an email to member@aarp.org or contact AARP at 1-888-687-2277. |
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Medicare Supplement Plan, Medigap Plans, Mymedicare, Supplemental Medicare.
posted at August 27, 2012 5:55 AM EDT
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Posts: 1
First: August 27, 2012 Last: August 27, 2012 |
Find right coverage Medigap Plans and Medicare Supplement Plan for insure your supplemental medicare after retirement. Mymedicare advisor helps you make a decision about how to choose a Medigap Plans, Medicare Supplement Plan, and Supplemental Medicare plan. MyMedicareAdvisor 2300 Computer Ave. Ste. H-40 Willow Grove, PA 19090 email: mymedadvisor@gmail.com 215 658 1776 |
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Re: Medicare Supplemental Insurance
posted at August 27, 2012 8:32 AM EDT
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Posts: 2
First: August 27, 2012 Last: August 27, 2012 |
Anyone on, or about to become on, Medicare who has questions regarding enrollment periods, supplemental insurance or filing a dispute should take advantage of the SHIP (Senior Health Insurance Program) availability. It's a FREE service staffed by trained volunteers in each state. You can find the toll-free SHIP number for your state, make the call, and you will be referred to a volunteer office in your area. SHIP volunteers do not recommend one company or plan over another. In fact, in most places even having family working for an insurance company in some way will cancel your application to be a volunteer. SHIP will also provide information about the individual state's assistance programs for supplemental and prescription coverage. All consultations are done one-on-one and are completely confidential. Most unfortunately, far too many people don't know about SHIP or take advantage of the services provided. So check it out and then help spread the word! |
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Re: Medicare Supplemental Insurance
posted at September 11, 2012 11:48 AM EDT
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Posts: 1
First: September 11, 2012 Last: September 11, 2012 |
Hello; My name is Jeff I am 51 years old and currently employed at American Airlines as aircraft maintenance crew chief. I am sure you all know are pensions are about to be frozen and our retired medical gone. My question is if I would like to retire at 60 is there some sort of medical plan that a person can obtain for himself and spouse to last until medicare kicks in?
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Re: Medicare Supplemental Insurance
posted at September 14, 2012 8:20 AM EDT
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Posts: 1
First: September 14, 2012 Last: September 14, 2012 |
I am 55 and permanently disabled. I have been on Medicare A and B since 2004. I recently lost my Blue Cross Blue Shield of Florida individual coverage which was paid by the state of Florida due to cutbacks by Gov. Rick Scott. I have no interest in Medicare Advantage as it will cost me more money than I pay now under regular Medicare and have seen others who chose this coverage get nickled and dimed to death with overage payments and uncovered services. I called AARP Health Insurance to inquire about buying a Medigap policy. I was told that because I have a pre-existing condition I was not eligible to buy Medigap insurance! Will this discrimination against the disabled end in 2014 when the Affordable Care Act goes into full effect?
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Re: Medicare Supplemental Insurance
posted at October 13, 2012 7:32 PM EDT
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Posts: 1
First: October 13, 2012 Last: October 13, 2012 |
The only people AARP may help, you have to be rich and over 65 and live in certain states and certain counties of those states. If you live in Hunt county Texas and are permanently disabled and 56 years old and only draw 1900.00 a month for disability AARP has absolutley nothing for you, All they want is the membership fee. And like an idiot I went for their pitch and bought a five year memborship for me and my wife, what a waste. |
Forums » Health » Medicare & Insurance » Medicare Supplemental Insurance
