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Old 08-28-2018, 08:49 AM   #141
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The part B deductible is $183 per year - one time thing. After that your out of pocket percentage is 20%, which your supplement should then pick up.


We have G, and it doesn't cover the annual $183 deductible, but does cover the 20% out of pocket after we pay the $183.


Clear as mud, huh?
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Old 08-28-2018, 08:56 AM   #142
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Originally Posted by Breedlove View Post
I could go with G but it does not pay any deductibles on part B . So what is the average deductible on part B . Or go with F and a high deductible , might be cheaper.
Part B deductible is currently $183/year. So the Plan G supplement's annual premium savings is greater than $183/year then it's the better deal. Typically (if not always) this is the case.
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Old 08-28-2018, 10:47 AM   #143
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Originally Posted by Katsmeow View Post
Hmmm...that is interesting. This must be state based. DH has Plan F with AARP/UHC (this is in Texas). Late last year they discontinued their involvement with Silver Sneakers. They said the new benefit would be so much better. The new benefit was 50% reduction in membership cost at some gyms. Of course a 50% reduction is not as good as free....
We're in CA, although we learned about silver sneakers from MIL who lived in MO. We realize they may change or eliminate it at any time but for now it works. I assumed there would be restrictions such as times of use, although we always go during the non-peak times, but there are none.

Amazing that they would think 50% off is a better benefit than free .
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Old 08-31-2018, 03:40 PM   #144
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BoomerBenefits has continued to seem too good to be true. Brad told me that I will never again have to communicate with Anthem Blue Cross directly. Everything can go through him.


Unenrolling from CoveredCA is proving to be difficult, with long phone menus, etc. They also wanted to use Equifax to help me confirm my identity, but that failed because of our freeze. They asked me to upload a scan of my driver's license, but couldn't figure out how to get that done. For example, "You'll have to log out now, because we can't log in to your account when you're logged on."
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Old 08-31-2018, 03:44 PM   #145
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BoomerBenefits has continued to seem too good to be true. Brad told me that I will never again have to communicate with Anthem Blue Cross directly. Everything can go through him.


Unenrolling from CoveredCA is proving to be difficult, with long phone menus, etc. They also wanted to use Equifax to help me confirm my identity, but that failed because of our freeze. They asked me to upload a scan of my driver's license, but couldn't figure out how to get that done. For example, "You'll have to log out now, because we can't log in to your account when you're logged on."

I hope you keep us posted on your experiences with BoomerBenefits. It does sound too good to be true, but I've yet to hear a bad review. I'm going to recommend them to friends who are coming to me since I managed to get DH enrolled in Medicare et all in June, so now they think I'm the expert. I don't wanna be 'that guy'. I'll just send them to BoomerBenefits.
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Old 08-31-2018, 04:02 PM   #146
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just today boomerbenefits.com sent out an email reminding their clients to call them before paying a Medicare Bill they are not expecting .. excerpt of email below …

"Every day our Client Service Team takes dozens of calls from clients like you.
One of the free services that we offer is claim research and resolution.

So if you've got a bill from a Medicare provider that you weren't expecting,
DON'T pay it without calling us first. Let us check first to see if this bill is valid.

Our service team saves our Medicare insurance policyholders thousands of dollars
every year in scenarios just like this one. Could you be the next one to save money?

Reach out for help if you need us!"


Email closed with their client service team phone number if I ever need it.
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Old 08-31-2018, 05:51 PM   #147
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Okay, I got it all done. Just finished talking with someone from CoveredCA who was very good.


I had my first experience with audio fine print. The rep would play a long recorded message and then come back on and I'd say "I do."
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Old 09-19-2018, 02:33 PM   #148
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[QUOTE=nwsteve;2091142]I originally called my Supplement provider, Premera, a Blue , to understand the process for changing our plan from F to G. Pretty much got danced around on the question if the change would require an underwriting but I would have to fill out a new application.
As REWahoo so succinctly pointed out, no point for "messin with the high priced boys from the Blues" when the same is available for a lot less. Got the list of plans approved in our state and found a G plan from a Cigna affiliate for 147/mon if we both move versus the 185/mon for G and 216 for F from Premera.
The Cigna rep, unlike his counterpart at Premera, quickly advised there is no underwriting in WA as long as you go to a comparable or less plans. State uses a "community rated" model and not individual pricing system.
We will make the move as soon as my DW gets her semi-annual Prolia shot ($900-covered by Supplemental but not by D for some reason) later this month so we do not have to pay the 183 Medicare deductible.[/QUOTE

UPDATE:
Just completed the enrollment process to switch from Premera's Plan F at 216/mon to a Cigna affiliate (Loyal American) Plan G for 147/mon each. Generated a savings of $828/mon each. Cigna also provided an additional discount if both spouses are applying--158/mon reduced to 147. Premera wanted 186/mon as I recall for their plan G and required a new policy to be completed despite being the provider for the last five+ years.

A couple things I learned in the process---WA is a "Guarantee Issue" state which translates that you can move between providers with underwriting as long as the new plan is same or less than the original plan. Other new category was "Community Rating" resulting in all folks with the same age treated the same for underwriting.

To satisfy requirement of existing coverage, agent called Premera with me on the phone. Provided policy # and confirmed with Premera CS agent that the policy was current. Nothing else required to complete beyond providing account for monthly charge.
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