Teacher Terry
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jun 17, 2014
- Messages
- 7,650
In Nevada you can switch plans anytime for medigap. It’s MA plans that have a certain time.
So plan G has a deductible on durable goods?
I thought this was the only time a person on medicare can switch to a different provider.
That is Physician's Mutual "Innovative Plan G". The premium is very high while it's an HD-G so I do not recommend it.... I came across one of the major carriers that had a clause that allowed someone to start out on an HD plan G and switch to a plan G in 3 or 4 years with no underwriting. I don't remember which company it was through, and I decided that I really didn't want to deal with keeping up with various payments throughout the year and settled on a regular plan G.
That is Physician's Mutual "Innovative Plan G". The premium is very high while it's an HD-G so I do not recommend it.
Physician's Mutual: https://www.physiciansmutual.com/web/medsupp?redirect=physiciansmutual.com%2Fmsquote
DH is stuck with his original expensive Mutual of Omaha plan, cannot change to any new plan. DH is actually doing very well with his psoriatic arthritis, he takes medication, exercise, watches his weight and diet, etc. I think that once you are diagnosed with a disease like this you cannot ever pass underwriting.
I have MoO plan G in Ohio 76 year old male. My premium is $156.80 per month.
Do you mind sharing the expensive MoO premium amount? And how many years DH has been with MoO?
That seems pretty low, as we just started with Moo plan G and I pay $115 as a male.
I wonder if Ohio has rules that make it easy to subscribers to switch plans, this would put a natural damper on giant increases by a single plan carrier. ?
That seems pretty low, as we just started with Moo plan G and I pay $115 as a male.I have MoO plan G in Ohio 76 year old male. My premium is $156.80 per month.
I wonder if Ohio has rules that make it easy to subscribers to switch plans, this would put a natural damper on giant increases by a single plan carrier.
MOO has been changing names in Ohio. If JARON46 switched 2 years ago, he is in the new, young and healthy pool that started 9/20/19.I switched from Medical Mutual to MoO about 2 years ago because they were cheaper...
1) New Omaha Insurance Company Med Supp in Ohio
Effective 6/30/12 you may begin selling our competitively priced Medicare supplement product in Ohio through our NEW affiliate, Omaha Insurance Company.
Note: Upon release of the Omaha Insurance Company Med supp product in Ohio, the United of Omaha application will no longer be available on the e-App tool.
2) New United World Medicare Supplement Plans in Ohio
Effective June 18, 2016, you may begin selling our competitively priced Medicare supplement product in Ohio underwritten by United World.
Application will be available on e-App effective 6/18/16. Upon availability of the United World Ohio Med supp e-App, the Omaha Insurance Company Ohio e-App will no longer be available.
3) New Mutual of Omaha Medicare Supplement Plans in Ohio
You may begin selling our new competitively priced Medicare supplement plans in Ohio, underwritten by Mutual of Omaha, effective September 20, 2019.
The Mutual of Omaha Medicare supplement application will be available on the e-App Friday, September 20, 2019. Upon its availability, the United World e-App will no longer be available.
Conversions: Should your client wish to convert to another policy (from one Mutual affiliate to another), you must complete all applicable conversion paperwork, including your client’s signed authorization, and submit that to us. Conversions are subject to underwriting.
https://blogs.mutualofomaha.com/express/?s=ohio&x=0&y=0
I've only been on Medicare for a year but despite doing a lot of research before choosing my supplement feel like I'm still just beginning to learn about the complexities involved in dealing with Medigap plans.
Case in point: I used BoomerBenetfits (.com) to help with finding a policy after seeing them recommended on these forums numerous times. But neither they nor any other agent you might choose to deal with is going to work with ALL of the providers available in your state. To find those you need to consult the Medicare.gov site annually. In my case Boomer's had me sign up for the high-deductible Part G plan I requested with Mutual of Omaha, but they didn't bother telling me about cheaper plans from other providers or - much more importantly! - that in many states including mine (Arizona) you can get both attained age and issue age plans. Attained age are more common and are all that's available in many states: you start out with a fairly low premium which then increases - often rapidly - with age. Issue-age plans are more expensive initially but only go up due to inflation in medical costs, whereas what happens with attained age plans is that as healthier folks see their premiums spiking they apply for cheaper coverage with other insurers, leaving those who can't get underwriting and are thus stuck with their existing plan in the pool, which drives up the cost even more. An agent I spoke to with 30 years of experience in the field said that Mutual of Omaha is among many players known for entering a market with low teaser rates below their costs and then rapidly raising them once people are enrolled and unable to leave due to pre-existing conditions.
Sheesh. And here I thought being on Medicare would be a reprieve from dealing with ACA plans.
On medicare.gov, there is only one insurer out of 73 that shows up as attained age which makes me think it may be a mistake and that attained age is not a thing in Arizona.
https://www.medicare.gov/medigap-su...TYPE_G?fips=04013&zip=85016&year=2022&lang=en
Effective January 2022, Illinois will implement the birthday rule for medicare supplement holders. There are a lot of negative opinions about MoO on this site. I will have the ability to change medicare supplements underwriting. I would have to continue with MoO but could switch to plan N or high deductible plan G.
https://www.medicarefaq.com/blog/illinois-birthday-rule/