MAPD PPO vs Medigap?

[Chazm]

… not all prescriptions associated with MA's are a good thing...
.

As opposed to what exactly?

 

[Tom S]

as opposed to PDP's and even other MAPD's

 

[SKQuinn]

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.

 

[Travis Price]

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.

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

 

[Chazm]

Here is Pa. MAPD's are in a wide variety. Much comparison should be done (speaking PPO's only) … not all prescriptions associated with MA's are a good thing...it is important to study that aspect of the plan as it pertains to the prospect. It can certainly be a decision maker. When I see prospects who do not know which "world" to chose (original medicare vs. MA) it would be injustice to them to just speak of one avenue to travel.
I do this on my radio program and it is well received.

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]

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.

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.

 

[Tom S]

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.

 

[vic120]

But for anyone taking non generic medications, part d blows in comparison.

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

 

[Chazm]

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

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.

 

[vic120]

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.

Maybe I misunderstood you, I had thought you meant it blows in comparison to Part D in MAPD


I stand corrected I understand now