Aetna + Humana news
11 years ago
Featured Answer
Sort by:Oldest
Comments (14)
- 11 years ago
Related Discussions
Medical & Drug Deadline Nears
Comments (14)"if you present plan changes in any way, even if present change by $1, you are then eligible to changes plan without qualifying, therefore I don't see this as an obstacle to going with a lesser plan in the beginning. Doesn't every plan change at least in some form of coverage if not every year at least every two years?" Two points. A Medigap provider cannot, by law, change the extent of the year-to-year coverage of any of the plans it offers because the various plans and the benefit levels they contain are established by Medicare, not by the insurers. That is, the Plan F offered by all insurers must include the exact Plan F benefits Medicare has established, and the same is true for all the other Medigap Plans. Second, I don't think a change in premium cost, alone, would excuse you from the underwriting requirement if you decide to drop a lower benefit plan and instead buy a higher one. However, if the insurer decided not to continue offering that level plan in your state, that would excuse you from underwriting, as would also be the case if the insurer went out of business. But I agree with you that it's wise to run the numbers and buy the plan that makes the best financial sense for you. People who are in good health and have the financial resources to absorb increased health costs in the future should their health worsen, would often be better off saving money now by choosing a lower benefit plan. Being overinsured usually doesn't make financial sense, but a lot of people do it because it gives them peace of mind, which is nice, but be aware that it does come at a cost....See MoreThe Humana-Walmart Medicare Rx Plan, anyone?
Comments (21)Yup...GROAN...it's forever...unless the Supreme Court rules that the government cannot force people to carry medical insurance....saying that it's unconstitutional. If they do that...in the coming year...the Feds will have to drop the penalty. I did contest it when it was imposed as my error was not intentional. I hadn't been informed by my late husband's insurance carrier that I was required to carry Part D. I use no prescriptive drugs so I guess they assumed I didn't need to be concerned about it. WRONG! They did tell me that I had to replace the Supplemental policy and I did so immediately. I should say that all my health benefits died the minute [literally] that my husband died due to an irreversible benefits decision that he'd made long before I met and married him. And my ignorance of his benefits package was not intentional. They would never allow me access to anything. If my husband didn't deal with them nothing got done. In any case...Medicare partly found in my favor...erasing 8 months from the penalty formula...but leaving the remaining 36 months using the excuse that ignorance is no excuse when it comes to the law. So...I now pay 1% times a yearly Federally elected dollar figure times 36 [months] and that amount is added to my monthly premium. It usually amounts to about $15/mo. And it makes me a very unhappy camper considering that my only source of income is SS and I still have a mortgage to pay each month...not to mention all the other little life necessities that come along with daily survival. So...for anyone who's age 65 or about to become age 65...talk to a SS or Medicare representative and enroll in a Medicare approved Part D program ASAP. If you don't...you could end up being penalized like me when you do elect to enroll in a Part D program...or when it's discovered that you're not enrolled in a plan. It's been mandatory since 2006. Learn from my mistake! Or gamble that the Supreme Court will find in our favor...knocking the whole forced insurance program out of the ball park. Anne...See MoreWhat are the pros and cons of Humana verses Medicare ?
Comments (22)The office I used to be associated with would spend countless hours arguing for needed Dx tests for the patients. Not until our MD would get on the phone, ask for the representaive's name and info because "if something dire should happen to this patient without this needed care I'd like to be able to supply this info to the family's attorney" did we get the authorization we needed. The stress of constantly fighting for patient care was unbelievable! Also, under the capitation system Primary Care MD's are reluctant to refer to specialists, so referrals are hard to get from HMO's. I personally have UHC care, Plan J, as a supplement along with AARP Rx plan. I take only Lipitor at this time, but if I signed up for the Rx plan at a later date I'd pay a higher monthly premium. So I signed up now, figuring I'd be on more meds later. I was paying $1400 a month before I signed up with Medicare. Now I'm paying about $450 and Plan J covers just about every scenario, including out of country coverage, I might ever encounter. Bud, I don't think doctors are practicing medicine just for the money; they truly care about their patients. Of course, there are a few exceptions to the rule. However, I don't think they should be working for free either. I personally know of several, wonderfully dedicated doctors who went several months without salary because of poor reimbursements from certain insurance companies. They finally closed their practices and moved to small towns in other states where there were no HMO's. Unfortunately, we usually get what we pay for. While medical care from HMO's is adequate, the American patient wants and demands the latest in medication and procedure. HMO patients will be seen by a doctor for treatment but since these practices have high patient volumes at low reimbursements it may not always be to their liking. Treatment will likely be standard and perhaps not the latest, costlier options. I'm not sure what the solution is, but I don't think socialized medicine is it. My last years working I saw many patients coming in for insignificant complaints because they only had a $10 office co-pay and they wanted their money's worth with a Rx that came with a $5 co-pay. Multiply this times millions every year and you'll have an idea of how much money is wasted on "entitled" visits. It cuts down on the available monies for those patients who truly need the care. But, I digress. Let me stop here....See MoreGOOD News and CRAZY News
Comments (35)Thank you all for sharing my happiness. If I had no drug insurance -- which American seniors are required to buy as a condition of having Medicare -- Celgene would cover most of the cost of their product, Revlimid. It's been on the market for over ten years. I am pretty sure that patients in other countries pay much less for the product. Maybe I should look 'abroad'? jim -- The $15K every year has to come from somewhere....See More- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
Related Stories

BATHROOM DESIGNNew This Week: 9 Bathrooms With Stylish Walk-In Showers
Pros use tile and color to create a cohesive feeling in rooms with curbless and low-barrier showers
Full Story
User