newbie2001
Expert
- 45
Weirdly enough in my area in FL. Aetna is not really that strong in the benefits in my area. They have great dental but beyond that most doc’s my clients work with don’t accept there HMO plans and they have 1 PPO plan that doc’s accept but then most will choose a UHC plan HMO-POS plan over Aetna’s PPO anyway.You said the key words “ when they want to make a change “ . We’ve had rising mapd benefits the last 5 yrs .Everything’s been calm . Mark my words . All hell breaks loose in 2025 . I’ve been reading every article this earnings season on carriers .CO’s being pinched hard by rapidly rising claims . Cms basically gave no premium increase for 2025 . A perfect storm hitting . Humana which agents have written the most the last 4 yrs has been blindsided by heavy claims . In their earnings report there saying maintaining margins more important than adding members . That’s the key word for there going to slash benefits and increase copays . Means there could be a big division between plans in 2025 . Means agents are going to have to move there humana book . How much do benefits matter to members ? Look no further than Aetna. They crushed all carriers in the benefit dept . They added 500k members during aep more than the next 7 carrier combined . People jumped ship big for more benefits .
Humana has them beat in the “giveback” department as well. I’d say if there doc accepts it 90% of my clients take the Humana giveback HMO if they’re healthy and little to no meds.