UHC's Medicare Complete Vs Plan N

[MedSupMan]

I have a client who I put with Plan N a year ago and has AARP drug plan (which was the best for him based on the Medicare.gov site last year) He has been contacted by a UHC rep who says that UHC's Medicare Complete offers everything he now has but at a much better rate.

My client does not have any particulars and has contacted me to get my opinion.

Do any of you MA/MS experts have an opinion?

I am in Illinois.

Thanks!

 

[GreenSky]

My opinion is that an agent needs to learn the difference between and MA plan and a supplement.

Rick

 

[Newby]

My opinion is that an agent needs to learn the difference between and MA plan and a supplement. Rick

Also needs to understand that "best" is a banned compliance word.

 

[bpenn9]

My opinion is that an agent needs to learn the difference between and MA plan and a supplement.

Rick

But the MA plan is complete. Plan N just supplements.

 

[tesflex]

How can an agent working in the senior market not know how a MA plan works? - yowzers!

 

[sman]

I have a client who I put with Plan N a year ago and has AARP drug plan (which was the best for him based on the Medicare.gov site last year) He has been contacted by a UHC rep who says that UHC's Medicare Complete offers everything he now has but at a much better rate. My client does not have any particulars and has contacted me to get my opinion. Do any of you MA/MS experts have an opinion? I am in Illinois. Thanks!

Just show your client what his cost for a hospital stay would be on the MAPD plan. Also show him what he'd have to pay if he needed chemo. Then explain what he'd have to pay on Plan N for those same services.

Lastly, ask him if he knows if his doctors are in the network of the MAPD. AARP Medicare Complete is an HMO here in Georgia. Sure would suck to enroll in an HMO only to find out you can't see your doctors.

 

[MedSupMan]

Thanks everyone for taking the time to answer.

Yes, I know the difference between MS and MA -- and the focus on having control of your healthcare.

The cost of a hospital stay as well as copays are mitigated by the $3400 MOOP.

Some people feel a risk of $3400 is meaningless as compared to a certain out of pocket with the Plan N of $1100 -- as long as the care they get is comparable because their doctors and specialists are in the network and will speak positively about it.

I know a number of agents on here do both MA and MS, as long as the MA plans in their area are good.

Thanks again!

 

[enyce]

rule of thumb, you don't change a med supp client to an mapd

 

[WCMason]

rule of thumb, you don't change a med supp client to an mapd

...unless the alternative is having another agent change your med sup client to an MAPD.

 

[MedSupMan]

Yes. Points well taken.