Maintenance meds. to BCBS, ....Can I change to BCBS from MEDICARE?

[annon123]

I don't have a zillion clients . . . ask Don if you don't believe me.

But I do read the forums and other sources to know there are a lot of slacker agents who put in minimal effort to service clients . . . and a number complain about having to do anything, especially running an Rx report.

For the first 18 years or so of my career I was on the wholesale side of health insurance and brokers were my clients. If I had to put a figure on it, probably 80% were slackers who knew how to SELL the product but were practically clueless about how it worked.

I don't think things have changed that much in the last 20+ years.

Well that is sad...

 

[annon123]

Did we establish if she is still on Fed BC/BS? I have never seen it where it would be wise to switch from that to Original Medcare.

What I read on the website I found (which I don't know if that is what she has) is that they have to pay for B regardless and then they can use BCBS as a supplement (presuming I understand correctly) and it appears it acts more or less like F. Then they can add the federal BCBS D if they want (no premium but still have the copays, $2000 MOOP, etc.), or they can be on MA and it picks up the MOOP (except MOOP for drugs?).

Of course I may have found the wrong website.

 

[myinsurebiz]

Hello:
I'm an elderly female and have both MEDICARE and BCBS.
I'd like to change all of my maintenance meds. to BCBS, .... not rely on MEDICARE seeing and hearing current media/economic situation re: MEDICARE and SSA.
Is there a way for me to change to BCBS?
Thanks for any opinions and inputs in advance.

Somarco has offered to help you. Call him and get this issue resoved!

@somarco

Georgia Medicare Plans
Turning 65 Medicare Georgia
(404) 252-5859

 

[Medicare bro]

What I read on the website I found (which I don't know if that is what she has) is that they have to pay for B regardless and then they can use BCBS as a supplement (presuming I understand correctly) and it appears it acts more or less like F. Then they can add the federal BCBS D if they want (no premium but still have the copays, $2000 MOOP, etc.), or they can be on MA and it picks up the MOOP (except MOOP for drugs?).

Of course I may have found the wrong website.

It depends on which way they go. A lot of Fed BC/BS customers have never signed up for Medicare.

 

[Medicare bro]

I don't have a zillion clients . . . ask Don if you don't believe me.

But I do read the forums and other sources to know there are a lot of slacker agents who put in minimal effort to service clients . . . and a number complain about having to do anything, especially running an Rx report.

For the first 18 years or so of my career I was on the wholesale side of health insurance and brokers were my clients. If I had to put a figure on it, probably 80% were slackers who knew how to SELL the product but were practically clueless about how it worked.

I don't think things have changed that much in the last 20+ years.

I will admit I don't know a ton of Independent agents, but I have never heard of an agent not check meds. I also come from 10 years of call center work, where if you aren't at least 95% compliant you were fired. It's the same as Select Quote, Spring, and Gomedicare.

 

[annon123]

It depends on which way they go. A lot of Fed BC/BS customers have never signed up for Medicare.

She said she had A & B and has no idea if she has a MAPD. As she said Medicare was picking up her meds (I just re-read what she wrote) I am guessing an MAPD plan, but she said she has no idea if she has that or not.

 

[Millwood]

Or it could be something simple...... And it sounds like first time it has happened to her.
She needs to ask CVS why PAIN PILLS weren't able to be filled?
CVS can also tell her who claim was filed with. This could also check the box if a call center flipped her ie no longer on FEHB so claim was denied . Although CVS should have gotten info if she was somehow enrolled into something else by a call center.
Does prescription need renewed? In some states 1 month supply is all they will fill for pain meds and you must see the Dr.everytime it is filled.

Everything is a guessing game at this point. Spring 25 doesn't know what she currently has. So how do we? We shall wait till she shows back up.

 

[somarco]

I have never heard of an agent not check meds

How about at renewal . . . .?