I start Medicare Feb 1, 2020 so I've been shopping and learning.
I've decided on a Medigap Plan G. I thought I was all decided on AARP/United HealthCare for $114.22/mo. I liked that they use Community Pricing. Then I talked to Boomer Benefits. They were very helpful, answered a lot of questions and sent me an email with a .pdf of all my plan options and rates.
Boomer Benefits recommended Mutual Of Omaha Plan G $112.70/mo. which has Attained Age pricing. Highly rated according to Boomer Benefits. I asked about the AARP Plan G and the Community pricing. He told me that Ohio is an attained age state and that all companies raise their rates due to inflation.
So I'm a bit confused. I was liking that AARP has a large discount that gets smaller every year and that they are open about their prices. I've heard great stuff about Boomer Benefits so I want to seriously consider their advice to go with Mutual of Omaha.
So with all the folks on Medicare here, what's your experience with rate increases for these 2 companies? Is Attained Age pricing vs Community pricing going to make a difference over many years? If Ohio is an "attained age state" what does that mean for AARP/UnitedHealthCare Community pricing? I wish I would have asked that when I had the Boomer Benefits guy on the phone.
And another thing I'm dealing with is that many of these companies offer a 5%-7% discount of another person in your household enrolls with the same company. DH starts Medicare in April, 2020 but he has to go through his pension plans connector Via Benefits in order to get his HRA allowance. It looks like he has options form only 7 Medigap insurers and my choices for me of Mutual Of Omaha or AARP/UnitedHealthCare are not in his options.
I've decided on a Medigap Plan G. I thought I was all decided on AARP/United HealthCare for $114.22/mo. I liked that they use Community Pricing. Then I talked to Boomer Benefits. They were very helpful, answered a lot of questions and sent me an email with a .pdf of all my plan options and rates.
Boomer Benefits recommended Mutual Of Omaha Plan G $112.70/mo. which has Attained Age pricing. Highly rated according to Boomer Benefits. I asked about the AARP Plan G and the Community pricing. He told me that Ohio is an attained age state and that all companies raise their rates due to inflation.
So I'm a bit confused. I was liking that AARP has a large discount that gets smaller every year and that they are open about their prices. I've heard great stuff about Boomer Benefits so I want to seriously consider their advice to go with Mutual of Omaha.
So with all the folks on Medicare here, what's your experience with rate increases for these 2 companies? Is Attained Age pricing vs Community pricing going to make a difference over many years? If Ohio is an "attained age state" what does that mean for AARP/UnitedHealthCare Community pricing? I wish I would have asked that when I had the Boomer Benefits guy on the phone.
And another thing I'm dealing with is that many of these companies offer a 5%-7% discount of another person in your household enrolls with the same company. DH starts Medicare in April, 2020 but he has to go through his pension plans connector Via Benefits in order to get his HRA allowance. It looks like he has options form only 7 Medigap insurers and my choices for me of Mutual Of Omaha or AARP/UnitedHealthCare are not in his options.