I have been a member for some time, regularly review what is going on, but rarely post. However, I have a question for which I do not see any answers in the threads.
I am turning 65 later this year and am doing my Medicare research. Based on the threads I have read, I am going to start with Traditional Medicare with Parts A, B, D and F (Medigap) and will choose Plan F from the Part F Medigap choices. I like the idea of a wide open nationwide network and I want to avoid the underwriting later on if I opt for an Advantage Plan on initially going in, and thereafter want to change to Traditional Medicare.
Over the years here in Western NY I have been lucky enough to have one of Consumer Reports highest rated carriers, Independent Health for my medical insurance. Although they have an Advantage Plan, they do not write Medigap coverage.
For a few years through DW's Megacorp Cafeteria Plan we had United Health Care. And although that was our money, they were then a nightmare with loss of paper work, although faxed in, and other difficulties in trying to get our money back for allowed expenses.
What I find interesting is that although the policies are the same by law, the rates vary by as much as 100%. So I do not know really where the jokers are in the deck. BTW, United Health is the second least expensive, but I fear going with them. CDPHP is the cheapest at $162 per month. With two at the most expensive at $330 per month.
So my question for you, dear forum members, is what experiences have you had with any of the carriers below in handling Part F Medigap claims (Plan F or otherwise). These are the only carriers who write Medigap in my zip code. (Medicare Supplement Insurance Rate: Plan F)
Thank you all so much for your comments! Here is the list:
Aetna Life Insurance
American Progressive
Bankers Conseco
CDPHP Universal Benefits
Excellus Health Plan, Inc. (d/b/a Univera Healthcare)
First United American
Group Health Incorporated (a/k/a GHI)
HealthNow New York Inc. (d/b/a BC/BS of Western New York)
Humana
Mutual of Omaha
Sterling Life
United HealthCare Insurance (AARP Program)
Best regards, Zman
I am turning 65 later this year and am doing my Medicare research. Based on the threads I have read, I am going to start with Traditional Medicare with Parts A, B, D and F (Medigap) and will choose Plan F from the Part F Medigap choices. I like the idea of a wide open nationwide network and I want to avoid the underwriting later on if I opt for an Advantage Plan on initially going in, and thereafter want to change to Traditional Medicare.
Over the years here in Western NY I have been lucky enough to have one of Consumer Reports highest rated carriers, Independent Health for my medical insurance. Although they have an Advantage Plan, they do not write Medigap coverage.
For a few years through DW's Megacorp Cafeteria Plan we had United Health Care. And although that was our money, they were then a nightmare with loss of paper work, although faxed in, and other difficulties in trying to get our money back for allowed expenses.
What I find interesting is that although the policies are the same by law, the rates vary by as much as 100%. So I do not know really where the jokers are in the deck. BTW, United Health is the second least expensive, but I fear going with them. CDPHP is the cheapest at $162 per month. With two at the most expensive at $330 per month.
So my question for you, dear forum members, is what experiences have you had with any of the carriers below in handling Part F Medigap claims (Plan F or otherwise). These are the only carriers who write Medigap in my zip code. (Medicare Supplement Insurance Rate: Plan F)
Thank you all so much for your comments! Here is the list:
Aetna Life Insurance
American Progressive
Bankers Conseco
CDPHP Universal Benefits
Excellus Health Plan, Inc. (d/b/a Univera Healthcare)
First United American
Group Health Incorporated (a/k/a GHI)
HealthNow New York Inc. (d/b/a BC/BS of Western New York)
Humana
Mutual of Omaha
Sterling Life
United HealthCare Insurance (AARP Program)
Best regards, Zman
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