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Re: re Medigap HD F plan offered by a company with

thanks so much...cheese!

i imagine it was terrifying.
glad you got it straightened out.
by conky11
Tue Oct 08, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: re Medigap HD F plan offered by a company with
Replies: 7
Views: 592

Re: re Medigap HD F plan offered by a company with

When Medicare pays for services, Medigap plan is required to pay the balances (Deductibles, Co-insurance) without your involvement whatsoever. Therefore, rating of insurance company is somewhat less important for Medigap plans. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ thank...
by conky11
Mon Oct 07, 2013 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: re Medigap HD F plan offered by a company with
Replies: 7
Views: 592

Re: re Medigap HD F plan offered by a company with

What is the nature of the complaints? Slow processing? Poor customer service? Other? How much hassle are you willing to endure to get your claims processed? What if the company decided to increase it's premiums drastically next year? Keep in mind this is a Medigap policy, and you might not be able ...
by conky11
Mon Oct 07, 2013 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: re Medigap HD F plan offered by a company with
Replies: 7
Views: 592

re Medigap HD F plan offered by a company with

re Medigap High Deductible F plan offered by a company with terrible reviews. I am interested in purchasing a High Deductible F plan with a company called First United (aka First United American - parent company Torchmark), but the online reviews for First United are truly HORRIFIC. I should note th...
by conky11
Sun Oct 06, 2013 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: re Medigap HD F plan offered by a company with
Replies: 7
Views: 592

Does anyone have a Medigap policy with First United?

Wondering if anyone has experience with First United.

They have HORRIFIC reviews online, but am wondering how, exactly one can get screwed with a Medigap policy, as all policies are supposed to be identical, no matter which company you go with.

Greatly appreciate the feedback...
Thanks!
by conky11
Mon Sep 30, 2013 4:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone have a Medigap policy with First United?
Replies: 2
Views: 219

Re: Medigap or Advantage? Lots of info/Lots of questions.

IMPORTANT NOTE in regards to Excess Charges, Underwriting, and switching to different Medigap policies: what you read on Medicare.gov is not necessarily accurate, as each state has their own rules and regulations. use it as a guide, but speak to an agent or your local SHIP for specifics...and call a...
by conky11
Sun Jul 21, 2013 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

One possible snag with plan f HD. is that deductible is based on calender year. theoretically you could start heavy deductible expenditures in last half of one year and in january have to start pay entire deductible for year again. if your illness went say july to july you in effect would pay doubl...
by conky11
Sun Jul 21, 2013 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Are you sure about the timeframes for upgrading and downgrading Medicare supplements? Maybe the information you have is from a specific insurer? I am under the impression that each insurer is open to doing what they want once the initial enrollment period is over. You do not have to wait a certain ...
by conky11
Sun Jul 21, 2013 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

i wanted to mention one thing that has not been brought up yet. a neighbor, who is 70 years old and healthy his entire life, slipped on the ice this past winter and had a bad fall. A TOTALLY UNEXPECTED EVENT! he was in the hospital for 3 weeks, and afterwards spent the next THREE MONTHS in a Skilled...
by conky11
Thu Jul 18, 2013 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Have anyone done any analysis on the other Medigap plans A - N? Thanks i'm pretty sure we all have. :) try these links for starters. http://www.medicare.gov/supplement-other-insurance/compare-medigap/compare-medigap.html enter your zip code to see available plans in your area: http://www.medicare.g...
by conky11
Thu Jul 18, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Not to mention my brother in law and sister who switched to an Advantage Plan to save a few bucks, taking care that their long-time trusted family doctor was in that Plan's network. Then the Advantage Plan bailed and their Dr. wasn't a network member in any of the other remaining choices they had o...
by conky11
Thu Jul 18, 2013 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

This forum has been an INCREDIBLE help in regards to clarity.
Thank you all for your great insight.
I'll be making a separate post in regards to Prescription Part D, in the next day or two, if you're interested. :happy
by conky11
Wed Jul 17, 2013 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

I am curious as to why your ship counsellor said to stay away from Plan F HD. When I went in for my HICAP meeting, the person was very helpful. The problem was that he hadn't looked very far into Plan F HD. He was kind of leading me to a MA plan because he had one and was happy with it. When I aske...
by conky11
Wed Jul 17, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

It was also advised not to use a high deductible medigap F plan and go with the regular medigap F or pick one of the other medigap plans altogether (A to N). Volunteer had no time to go into detail on Plan F vs. high deductible Plan F, at this well attended meeting. Does anyone have insight as to w...
by conky11
Wed Jul 17, 2013 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Let me say that I'm a cancer survivor who, when I was employed and on a company PPO, found that I could not receive the only effective treatment (surgery) where I lived at the time - Louisville. Thanks to my wonderful oncologist at the time, I was referred to Memorial Sloan Kettering in NY and some...
by conky11
Wed Jul 17, 2013 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Let me say that I'm a cancer survivor who, when I was employed and on a company PPO, found that I could not receive the only effective treatment (surgery) where I lived at the time - Louisville. Thanks to my wonderful oncologist at the time, I was referred to Memorial Sloan Kettering in NY and some...
by conky11
Wed Jul 17, 2013 1:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Here's how I looked at Plan F vs HD Plan F. I'll use my husband as the example. He is 72. Plan F = $2535.81 yearly. HD Plan F = $896.83 yearly. Premium savings = $1638.98. Using HD Plan F, you can spend those "savings" on healthcare costs and BE (breakeven) vs using Plan F. YES YES YES Wha...
by conky11
Wed Jul 17, 2013 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

It is worth calling local HIICAP (Health Insurance Information and Counseling Program - same as SHIP) counselor for unbiased, objective and free advice. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ +1 When I was facing the Medicare Supplement vs Medicare Advantage decision with...
by conky11
Wed Jul 17, 2013 1:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

have you tried googling medigap plans and your zipcode and Medicare advantage plans and your zip code yes, of course, gerry. i'm so knowledgeable about medicare that i could work for the medicare rights group. i just cant make up my mind. (but this forum has finally convinced me that Medigap is wit...
by conky11
Wed Jul 17, 2013 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Rob5TCP wrote:No good deed goes unpunished. Her sister in law has to decide by March of next year and is already concerned. Guess who she might ask.


just think of all that karma you're inheriting!
by conky11
Wed Jul 17, 2013 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

all i can say is this . my wife and i in our medicare advantage plan are using the same company we used for 20 years with my former employer insurance. we use health new England in western massachusettes and has a 5 star medicare advantage rating. my wife and i never had a problem in using HNE for ...
by conky11
Wed Jul 17, 2013 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

While Medicare Advantage Plans have a degree of flexibility, nonetheless I believe they must provide coverage and benefits that are required for Medicare plans. More than once I've been in a doctor's office, and the staff has said, we'll have to check with the insurance company and get approval for...
by conky11
Tue Jul 16, 2013 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Medicare Advantage costs the taxpayer 14% more for the same services as Medigap. It used to be 17% more, but Obamacare has narrowed the gap somewhat and I think is phasing in more narrowing. It is probably against the rules of this board to explain why it costs taxpayers more, but contemplating why...
by conky11
Tue Jul 16, 2013 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

I am in a similar situation, but I need to find a suitable plan for both myself and my husband. In thinking about Plan F or Plan F HD, I am considering the possibility of investing the difference in cost (something low risk that might return something to offset the increase in premium price in the ...
by conky11
Tue Jul 16, 2013 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

i did a comparison for a friend to help her narrow down the choices. Her primary doctor took Medicare but not the "advantage" plans. I ultimately reviewed all the options (reading here and elsewhere) with her and she went with Plan F, not the high deductible (though that may change next y...
by conky11
Tue Jul 16, 2013 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

I just signed on for Plan F Hi-D. One thing to remember is that while you do have a $2100 deductible, medicare part b pays 80% of your bill. You pay only 20% until you're $2100 is fulfilled so it's not so bad. Quite often about the same as a co-pay in a MA plan. Another advantage of Plan F Hi-D is ...
by conky11
Tue Jul 16, 2013 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

There is no doubt that the Advantage plans save money - up to several thousands a year for each spouse. 1) Doctor choice is restricted to their 'preferred' providers as is the hospital you may use. With Traditional Medicare you just go to another doc or another facility. 2) From experience in Flori...
by conky11
Tue Jul 16, 2013 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

" conky11 wrote "hi Rob, fyi: EMBLEM has the EXACT same Plan F for $207 in New York. That was one of my questions...if people thought that the carrier (Emblem) was something to be concerned about." I looked over the listings - the cheapest was AARP. Emblem did not show up. I just dou...
by conky11
Tue Jul 16, 2013 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

we've gone totally off topic.
Help still needed in regards to original questions, please :)
by conky11
Tue Jul 16, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Medigap or Advantage? Lots of info/Lots of questions.

apologies, in advance, for the long post… I live in NY, and am considering plans F or High Deductible F for my husband, who turns 65 in October. He has fortunately been extremely healthy thus far. He does not like going to the doctor and if he is fortunate and his good health continues, he will go t...
by conky11
Mon Jul 15, 2013 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Q for Medicare Experts

hospital bill ONLY(reduced amount) = $17,000 Anesthesiologist, surgeon, surgeon’s assistant bill = $28,000 $17,000 + $28,000 = $45,000 $45,000 x 20% = $9,000 $9,000 ÷10 = $900 $900 + $1,184 deductible (paid by Medigap) = $2,084 (last year’s cost). thanks so much for the clarification. either way tho...
by conky11
Mon Jul 15, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Q for Medicare Experts
Replies: 47
Views: 3220

Re: Q for Medicare Experts

"Keep in mind that one surgery, one unexpected surgery and hospital stay and the attendant costs-- of hospital bill (see my note post above-- $110,000 for a 3 day hospital stay, even reduced to $17,000-- anesthesiologist, surgeon, ass't surgeon, hospitalist, physical therapy, occupational ther...
by conky11
Mon Jul 15, 2013 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Q for Medicare Experts
Replies: 47
Views: 3220

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