MAPD PPO vs Medigap?

Jun 10, 2019 at 8:18 AM

  1. Chazm
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    As opposed to what exactly?
     
    Chazm, Jun 11, 2019 at 1:54 PM
    #21
  2. Tom S
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    as opposed to PDP's and even other MAPD's
     
    Tom S, Jun 11, 2019 at 2:17 PM
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  3. SKQuinn
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    I'm in Michigan, and we have some pretty good MAPD plans here. I wouldn't push one over the other, I'd explain both options to the customer, find out if they travel a lot, or go to the dr a lot, then ask which product they would feel more comfortable with. They will either pay up front with a Medigap, or later with a MAPD. Then find out about drugs, and provider to make sure the plan has them on the formulary and in network. I include a hospital indemnity plan with a MAPD as well.

    They are never "stuck" in a plan. They can change during open enrollment, that's what it's for.
     
    SKQuinn, Jun 11, 2019 at 3:14 PM
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  4. Travis Price
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    You can change MA plans. If they're sick and can't med qualify they aren't going back to Med Supp

    As a fellow Michigander, we are heavy MA.. which is good I guess, since we only get 3y on MS renews before it gets quartered.

    It does force agents to shop rates every year though
     
  5. Chazm
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    When you say not all prescriptions associated with ma’s are a good thing, that can always be said about pdp’s as well.
    We all know that Med supps are great. But for anyone taking non generic medications, part d blows in comparison.
     
    Chazm, Jun 11, 2019 at 3:34 PM
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  6. Chazm
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    How long have you been in the biz? Over time you’ll find out there’s more to it than “pay up front with a Medigap or pay later with a MAPD”.
    Plus, if it’s explained to me that way, I’d choose a MAPD. You could end up with a lot of future unhappy clients.
     
    Chazm, Jun 11, 2019 at 3:36 PM
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  7. Tom S
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    Chazm...are you replying to me? If so, I am probably not being clear enough for you to understand my points regarding PDP's and MAPD's.
     
    Tom S, Jun 11, 2019 at 3:48 PM
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  8. vic120
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    Again that depends on the area, Can't tell you how many times I compared MA vrs PDP with people

    And when it came to drugs the difference can be $1000 per year or more saving on PDP, When it comes to tier 3 or 4 drugs
     
    vic120, Jun 11, 2019 at 3:49 PM
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  9. Chazm
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    I said part D. Part D is pretty much the same nationwide. I think you misread what I typed. I said Med supps are great...part D in comparison blows. Doesn’t matter where you live.
     
    Chazm, Jun 11, 2019 at 10:58 PM
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  10. vic120
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    Maybe I misunderstood you, I had thought you meant it blows in comparison to Part D in MAPD


    I stand corrected I understand now
     
    vic120, Jun 11, 2019 at 11:52 PM
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