Reply
Highlighted
Regular Contributor

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

2,875 Views
Message 1 of 32

Your points are informative and yes, all this is still confusing-we need a Bachelor's degree in understanding medicare which of course changes every year! But I will still opt for it as it is far better than any socialist medicare-for- all which will drive our doctors and healthcare professionals who are already seeking other more lucrative and less demanding ways to pursue their professions.

Report Inappropriate Content
Highlighted
Honored Social Butterfly

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,113 Views
Message 2 of 32

@bd77157315 wrote:

What do you mean by the statement, 'you do go down a bit in coverage'?  The only difference between Plans F and G are that you have to pay the part B deductible with Plan G.  The schedule of benefits show no other differences.

 

Thanks.


Adding more "skin to the game" is going down in coverage even if it is only paying the Part B deductible ( $ 198 in 2020) out of your own pocket.

 

According to Medicare (CMS) this small change in discontinuing Plan F beginning in 2020 for new enrollees and thus its 100% coverage for Part B coverage saves a bundle of Medicare bucks.  Reason being beneficiaries think twice about spending that deductible amount and the related healthcare - cause it comes out of their pocket.  Thus the logic of "skin in the game" - save health care dollars, by using their healthcare when they really do need it, as differing from want.

 

Under Plan F, there is no out of pocket for Part B services as long as you see a doc that accepts Medicare's assignment price. So some benficiaries could decide to self-refer themselves to various specialist if they want (notice I didn't say need).  They do not even need a referral from their primary care doc. even if their primary doc is well equipt to handle many, maybe most, of these situations.

 

Thus no new (regular) Plan F enrollees for 2020 - however, Plan F also offers a high-deductible plan and it is still available.  But  If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,300 before your Medigap plan pays anything.

 

Just little (control) things like that help to save health care $$$$.

 

 

 

 

Report Inappropriate Content
Highlighted
Contributor
4
Kudos
16646
Views

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,131 Views
Message 3 of 32

What do you mean by the statement, 'you do go down a bit in coverage'?  The only difference between Plans F and G are that you have to pay the part B deductible with Plan G.  The schedule of benefits show no other differences.

 

Thanks.

Report Inappropriate Content
4
Kudos
16646
Views
Highlighted
Honored Social Butterfly

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,141 Views
Message 4 of 32

@susi1e wrote:

I just got off the phone with UHC and I switched from PLan F  to Plan G, in under 10 minutes. The agent asked my a  few questions, I did not have to complete any new forms. I just saved about $300, net of the $185 deductible. I am happy and it was a positive experience with UHC


You did go down a bit in plan coverage from Plan F to Plan G - and you stayed with the same insurer so they can actually check your claim history instantaneously. if need be - 

The situation would be totally different if you were changing insurers, as it is, you are still paying the premiums to the same entity.

BTW, the Part B deductible for 2020 is now $ 198

Long as you are happy . . .. .with the insurer, the plan and the (current) premium

 

Report Inappropriate Content
Highlighted
Newbie

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,155 Views
Message 5 of 32

I just got off the phone with UHC and I switched from PLan F  to Plan G, in under 10 minutes. The agent asked my a  few questions, I did not have to complete any new forms. I just saved about $300, net of the $185 deductible. I am happy and it was a positive experience with UHC

Report Inappropriate Content
Highlighted
Honored Social Butterfly

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,697 Views
Message 6 of 32

@bd77157315 wrote:

 

very confusing since the only difference between the two plans is payment of the Part B Deductible.


Are you switching insurers?  If so, that is another difference.

Report Inappropriate Content
Highlighted
Honored Social Butterfly

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,699 Views
Message 7 of 32

@jo7269379, @bd77157315 

 

Medigap insurers have some leeway especially if they want to give a special deal to a selected group for a selected period of time.

 

Like the group of current Plan F owners who might have wanted to switch to Plan G since Plan F is being discontinued to new enrollees beginning January 2020,  - some of the insurers did that without underwriting for awhile; consider that the deal.  But they don't have to continue that especially if the (state) rules say that they can underwrite beneficiaries wanting to switch from one plan to another or sign up late; after their initial enrollment period.

 

Medicare.gov - When Can I Buy Medigap? 

 

Medicare.gov - Switching Medigap Policies 

 

You state may have some special buying / switching / underwriting rules or NOT -

many times you can just go on your states Dept on Insurance website and they may describe their Medigap policy.

 

 

Report Inappropriate Content
Highlighted
Contributor
0
Kudos
2830
Views

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,809 Views
Message 8 of 32

Glad to hear someone else heard same thing.  Especially since I was told something different a year ago.  I may call the Insurance Commission and see if I can get any add'l info on why the underwriting. 

Report Inappropriate Content
0
Kudos
2830
Views
Highlighted
Contributor
0
Kudos
4223
Views

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,816 Views
Message 9 of 32

We just got off the phone with United Healthcare and was told the same thing.  Why medical underwriting is required does not seem to make sense.  We were told that we have 30 days to reject the plan G and cancel it and keep Plan F.

 

very confusing since the only difference between the two plans is payment of the Part B Deductible.

Report Inappropriate Content
0
Kudos
4223
Views
Highlighted
Contributor

Re: Changing AARP / UHC Supplemental (Medigap) Plans with No Underwriting

3,865 Views
Message 10 of 32

Just spoke with rep at UHC who said that changing from F to G necessitates a new application and therefore medical underwriting.  Changing from F to N does not require a new application.  Once you complete application, this triggers the underwriting and after they approve and provide new rate, you can decline if you want to.  Medical underwriting does trigger a request for medical records from your Dr. though.

Report Inappropriate Content
cancel
Showing results for 
Show  only  | Search instead for 
Did you mean: 
Users
Announcements

Have a health tip to share or a health question to ask? Check out the Health Tips forum today