I don't know who you talked to at United World but they and you are wrong. They published how to move an MA to a MS with either Mutual of United World in the first 12 months, it is Guarantee Issue. It was in the January 07 Mutual Matters. I have done it several times with United World with absolutely no problems.
Medicare Advantage
- Thread starter TheSalesWolf
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- medicare
- 11,280
Senior is confused, angry and on the hook or they go without because the MA isn't accepted by that dr's office.
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You don't know me..........you don't know me...DUDE!
- 462
I think I see where some of the confusion lies. See below.
The following is straight from page 33 of Medicare and You 2007.
The following is straight from page 33 of Medicare and You 2007.
The following is straight from page 41 of Medicare & You 2007.
A bit contradictory don't ya think?
- 7,066
"A bit contradictory don't ya think?" Yes, and very confusing unless you work in the Medicare market and can read between the lines and know how Medicare works in the "real world".
I can see where this statement would lead to a lot of confusion. "When you join a Medicare Advantage Plan, you are still in Medicare."
It says that the person is "still in Medicare", it does not say that the person still "has" Medicare. Being "in" Medicare is totally different than "having" Medicare.
The following quote, "You will be in the Original Medicare Plan unless you choose to join a Medicare Advantage Plan (like an HMO or PPO)", refers to people who "have Medicare" as having "Original Medicare". The key word in that quote is "unless". Meaning that if one joins an Advantage Plan they are opting out of "Original Medicare". That means that they no longer have "Original Medicare" and therefor they can no longer use their Medicare Card.
The Advantage Plans fall under Medicare Part C. A part of the many programs that are under the general umbrella of Medicare just like people with Part D are "in" Medicare, but neither are "Original Medicare" as stated in the second quote.
"Original Medicare" is what we have all been most familiar with in the past. There is a Part A and a Part B. "Original Medicare" pays a portion of doctor and hospital bills and has deductibles. Medicare Supplement policies pay all or a portion of those deductibles.
The "book" states, "Medicare Advantage Plans are health plan options that are approved by Medicare and run by private companies." It does not state that if a person takes a Medicare Advantage Plan that they still also have "Original Medicare". They can not have "Original Medicare" and also have a Medicare Advantage Plan.
When a group of insurance agents have trouble figuring out exactly what the "book" says and means, just imagine the difficulty the average person is going to have. It's no wonder that people turning 65 just say to hell with it and take whatever AARP has to offer.
I can see where this statement would lead to a lot of confusion. "When you join a Medicare Advantage Plan, you are still in Medicare."
It says that the person is "still in Medicare", it does not say that the person still "has" Medicare. Being "in" Medicare is totally different than "having" Medicare.
The following quote, "You will be in the Original Medicare Plan unless you choose to join a Medicare Advantage Plan (like an HMO or PPO)", refers to people who "have Medicare" as having "Original Medicare". The key word in that quote is "unless". Meaning that if one joins an Advantage Plan they are opting out of "Original Medicare". That means that they no longer have "Original Medicare" and therefor they can no longer use their Medicare Card.
The Advantage Plans fall under Medicare Part C. A part of the many programs that are under the general umbrella of Medicare just like people with Part D are "in" Medicare, but neither are "Original Medicare" as stated in the second quote.
"Original Medicare" is what we have all been most familiar with in the past. There is a Part A and a Part B. "Original Medicare" pays a portion of doctor and hospital bills and has deductibles. Medicare Supplement policies pay all or a portion of those deductibles.
The "book" states, "Medicare Advantage Plans are health plan options that are approved by Medicare and run by private companies." It does not state that if a person takes a Medicare Advantage Plan that they still also have "Original Medicare". They can not have "Original Medicare" and also have a Medicare Advantage Plan.
When a group of insurance agents have trouble figuring out exactly what the "book" says and means, just imagine the difficulty the average person is going to have. It's no wonder that people turning 65 just say to hell with it and take whatever AARP has to offer.
- 15,319
I know exactly what the "book" is saying, but I've decided not to tell you!
Rick
- 11,280
They should let me write the book. But then you guys would be out of job.
They should give those people at 1-800-medicare a tst before than can work there or have a list of FAQ so thy can all answer it correctly. Its like a game calling in there. You have to guess who actually knows what they are talking about.
They should give those people at 1-800-medicare a tst before than can work there or have a list of FAQ so thy can all answer it correctly. Its like a game calling in there. You have to guess who actually knows what they are talking about.
- 7,066
What part don't you understand? 
- 11,280
Did you know that when you sign up for a MA plan you lose Medicare? Did you know that they also put a bug in some of the enrollment packets to see exactly what the agents is saying to the prospect?
- 7,066
You win the teddybear!
They do lose what they refer to as "Medicare" and all the benefits provided by "Medicare" when they sign up for a Medicare Advantage Plan. Any agent who is telling seniors otherwise is misleading them.
If they did "put a bug" in the enrollment packets we most probably would not have been told that we had to stop selling them.
