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Forums » Work & Retirement » Social Security » Concerns about Medicare supplementary insurance policies.
Concerns about Medicare supplementary insurance policies.
posted at March 13, 2012 10:02 PM EDT
Re: Concerns about Medicare supplementary insurance policies.
posted at March 14, 2012 6:09 PM EDT
First: November 27, 2011
Last: December 20, 2013
In Response to Concerns about Medicare supplementary insurance policies.:
I have a serious concern about the United Healthcare Medicare supplement policies that are offered to our seniors. I have worked in several nursing homes in their business offices, and have seen the coverage decline and the cost increase to the point that it seems like a losing battle to use United Healthcare as a supplement policy. There are some Insurance companies that have much broader coverage and better pricing so that a senior has better coverage as a supplement to Medicare. The ads that I see in the AARP magazine seem to promote United Healthcare as a supplement and I think that you are doing a dis-service to the seniors who rely on your advice for insurance. AARP insurance has better coverage for a competitive price as well as several other policies. It is so sad to see seniors use up all of their savings and get so little in return. As a senior who is keeping track of every penny at this point, I feel there is a responsibility to help seniors use what money they have the most efficient way they can. I would be interested in other opinions on this subject.
Posted by 111737f
Senior pick their own Medigap policy (supplemental policy). Perhaps the insured is just picking the cheapest plan and not necessarily the best plan for their use and benefits.
This 60 page bulletin from the CMS tells the details about every single one. Within "a Plan", benefits are the same, no matter who the insurance carrier might be.
Center for Medicare & Medicaid Services: Choosing a Medigap Policy -A Guide to Health Insurance for People with Medicare
I wonder if you could be more specific about what you are describing when you say, " I have worked in several nursing homes in their business offices, and have seen the coverage decline and the cost increase to the point that it seems like a losing battle . . . . . ".
Medicare and Medigaps ONLY cover skilled nursing facilities like nursing homes when someone is recuperating in that type of facility - neither Medicare or Medigaps pay for long term care type of stays.
Maybe you are talking about MEDICAID - the government charitable program that covers many elderly in nursing homes who cannot take care of themselves any longer and need round the clock daily care - medical and personal.
Can you be more specific in what you are describing.