Medigap - American Continental Insurance or AARP / Unitedhealthcare
Explained in detail elsewhere, Wife is 55 years old with a very rare stage 4 pancreatic cancer that has spread to liver. Neuroendocrine tumors and radiation treatments have been effective so she could realistically have several years (hopefully more). She will be put on Medicare in a month and we need to find a Medigap plan (Florida is a "must-issue" state wrt to Medigap plans).
I've contacted Florida SHIP agency but the counselor was less than helpful. I've contacted an insurance agent who has given us the following quotes:
Plan F - American Continental Insurance $371 per month
Plan F - AARP / United Healthcare $609 per month
The agent says American Continental Insurance is a subsidiary of Aetna Insurance. I have no experience with them and would appreciate any insights from anyone who has.
We have had a regular United Healthcare policy for many years and they have been very good to us. Once we make this choice we will be locked into it until (if) my wife gets to 65 years old.
The rate difference is significant but I don't know how to compare quality of service etc between the two companies. Any help or suggestions appreciated.
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