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Old 03-23-2016, 01:38 PM   #21
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Join Date: Mar 2005
Location: Chicago
Posts: 9,532
Originally Posted by mf15 View Post
My United America plan was delisted this year for some sort of none compliance, but I could stay with them if I chose.
Old Mike
I was also with United America for 2015 and did have some billing issues with them that required a few calls to fix. When they were "delisted" I ran for the door and picked another provider for 2016 during open enrollment period. In my case, the lowest cost provider was Humana - Walmart. In addition to being lowest cost (for the drugs I routinely take), they got a good customer satisfaction score on the Medicare web site.

This leaves me with the question regarding what to do for 2017. So far my experience with Humana has been satisfactory. I take five maintenance drugs and they continue to exist in their originally quoted tiers in the formulary. They're generic and since I get them via mail order, there is no deductible and no co-pay / co-insurance. The $18/mo premium seemed reasonable too. My only cost to date has been 3 payments of $18.

In January, with a paper prescription from my doc in hand, I called Humana for some clarification on how to send it in and the customer service rep seemed a bit "challenged." But, I'm usually pretty patient in those situations and don't expect much, so I was able to wade through it. That set of drugs arrived OK and now the first refill is on it's way and I'm tracking it through the USPS tracking system.

I've noticed that their web site has changed and improved in the past couple of months. (That's good since now I have little need to call and talk to "challenged" cust service reps!) My med history, payments, etc. are all accurately there. Instructions on what to do in various circumstances are much more clear now too.

If things continue to go OK, I guess I'll be hard pressed to know whether to change providers for 2017 and pay more to potentially avoid an issue which may or may not happen to me. Or, horrors, I may switch, pay more and wind up having the new provider be worse than the Humana experience I'm having.

I guess all I can do is continue to read and research and try to predict the odds. Of course, for 2017 Humana may change their premium or formulary, or my doc may put me on some new drug which receives unfavorable treatment from Humana, and that will make the decision for me.

BTW, since going on Medicare, I've had BCBS, United American and now Humana as my Part D provider. BCBS changed their formulary (not mid-year, at open enrollment) and raised their premium and became very non-competitive for my drugs. United American raised their premium and was de-listed (although I had no specific issues with them). We'll see how Humana goes I guess......... So far, so good.

Edit: One detail I do like about Humana in my situation is that they cover the generic prescription for Flonase. My past provider stopped covering it and suggested I just go to the drug store and buy Flonase since it is now over-the-counter. Humana accepts my doc's prescription for the generic equivalent and provides it free (well, as part of the $18 monthly premium). I appreciate the fact they didn't stop the coverage just because Flonase went over-the-counter.

"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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