A dying agents warning ‼️

[Midlevel]

Exactly. When someone turns 65, it's the one and only opportunity to remove an insurance company from being in the middle of your doctor and your healthcare.

Me and my clients jump on that opportunity.

3 mapd misery calls yesterday, one of them moving their mom out of state to get mapd termed to get med supp GI.

Also, remember their kids have $$, and they are the ones who have to deal with all the parents mapd chit. I have found many low income seniors who have kids who are willing to pay for the med supp so they don't have to deal with parent health issues or surprise bills. I pay for my in laws supps just for that reason. I don't have to worry about having to show a power of attorney just to speak on their behalf be able to speak to carrier of why they are kicking them out of rehab

Gosh I wonder what Obamacare premiums would be if no PA was required? Would you give someone your debit card and tell them now don't use this unless you absolutely need to?

 

[sshafran]

Would you give someone your debit card and tell them now don't use this unless you absolutely need to?

Only if it's a doctor. Trust them. I'm learning to! They have no financial incentive to slice and dice us.

 

[sshafran]

Think about how much lower that premium would be if we did not give $460,000,000,000 a year in MA tax subsidies to create $0 plans.

You think that if MA went away, Medigap premiums would go down?

hahahaha

 

[goillini52]

A conundrum . . .

Of course this contradicts my earlier post saying someone with an MA may not find the copay/coinsurance affordable. In this case, she has no copay . . . because she has no coverage . . .

Monetarily affordable but the cost of being in pain can take its' toll as well.

You mean MAPD'S are great...............as long as you don't have to use them?

 

[somarco]

MAPD'S are great...............as long as you don't have to use them?

Hey! That's my line . . .

 

[goillini52]

Every one of these things you tell them are trying to scare them and steer them away from MA and into your wheelhouse. I don't care what you sell but can't believe you can show someone on eluquis the stand alone PDP and they are just fine with paying 590.00 in January and then 150.00/month going forward. That same drug would cost them around 600.00 total on a good MAPD. I show every client a G plan and print off cheapest stand alone drug plan and compare it to MAPD without bias. They ask me which way they should go and I say that's an individual decision.

Amazes me the people who actually sell both and know how MAPD works don't have alll these problems you describe but the MSO people are sure 95% of all 35 million on MAPD are literally screwed.

And the income thing that always comes up makes no sense. I've got multi millionaires on MAPD's because they have money sense and can see how much better off they are financially going that way. No doubt that is the way I will go when I turn 65 and I'm not hurting for money.

I tried a MAPD with Aetna this year. No deductible and $47 copay on Tier 3...very good. Next year, lousy. $590 deductible each and 22% on Tier 3 ($142 and $124) moving forward.

My wife's Cardiologist left the network in the middle of the year. Her new one will be in network next year. Our other 3 specialists won't be. The hospital/medical group we like to use won't accept Humana and UHC MAPD'S.

F*ck it. We're going back to Med Supps with PDP's that have no deductible and a $47 copay on Tier 3.

I'll still sell somebody a MAPD if that's what they want, but it AIN'T for me.

 

[goillini52]

Aetna/CVS denies all PDP formulary exceptions-

I'm very down on Aetna right now, but they did approve one for my wife 2 years ago.

 

[Midlevel]

Only if it's a doctor. Trust them. I'm learning to! They have no financial incentive to slice and dice us.

My primary Drs salary is based on the volume of business he brings the Hospital. One year he found out my deductible was met and he wanted to do every test he could. I said I'm good.

 

[somarco]

My wife's Cardiologist left the network in the middle of the year. Her new one will be in network next year. Our other 3 specialists won't be. The hospital/medical group we like to use won't accept Humana and UHC MAPD'S.

You broke the rule. The one against using your plan.

If you never used it you would LOVE your plan . . .

 

[sshafran]

My primary Drs salary is based on the volume of business he brings the Hospital. One year he found out my deductible was met and he wanted to do every test he could. I said I'm good.

And did you die?