Two of my local "older" (80s) prospects came to my office last year - they were paying for Plan F, couldn't pass UW (didn't ask, could just tell by Rx list, cane, etc.). Plan F was going up to $400+ per person for 2023.
It was getting difficult to buy groceries. Seriously. It was. They don't live in the gated golf course community with $300 HOA fees.... he worked blue collar, she raised the kids... they drive a 2010 vehicle. They carry cash around because that's how they pay for things. We have a little deli nearby that a lot of people eat at - she mentioned that they'll go there and grab a sandwich and split it as a treat because it's so expensive now.
They had a normal list of providers for most prospects that age - several each.
AEP 2022 for 2023: Put them in a $0 MAPD plan w/ just over $5,600 Max OOP. Saved a ton on their Med Supp and PDP costs.
They came by today.
He had an aneurysm in 2023 and their health has declined even more. She said it's been a major year medically. Lots of doctors - she said every time she turns around there is another appointment.
She kept track of her copays throughout the year because I told her to - I knew in the back of my mind that we could do trial right and I explained that to her several times: "if this MAPD doesn't work, I promise I can get you Plan F back as long as you have never had a MAPD plan."
Worried in 2022 about the MAPD plan for 2023. Several meetings with me last year during AEP - gave it a chance.
Came in today - she said they would never even think about going back to Plan F. Sure, they paid copays - but it was night and day.
Paying for Plan F was a nightmare (her words, not mine). Grateful for alternative health insurance options.
It was getting difficult to buy groceries. Seriously. It was. They don't live in the gated golf course community with $300 HOA fees.... he worked blue collar, she raised the kids... they drive a 2010 vehicle. They carry cash around because that's how they pay for things. We have a little deli nearby that a lot of people eat at - she mentioned that they'll go there and grab a sandwich and split it as a treat because it's so expensive now.
They had a normal list of providers for most prospects that age - several each.
AEP 2022 for 2023: Put them in a $0 MAPD plan w/ just over $5,600 Max OOP. Saved a ton on their Med Supp and PDP costs.
They came by today.
He had an aneurysm in 2023 and their health has declined even more. She said it's been a major year medically. Lots of doctors - she said every time she turns around there is another appointment.
She kept track of her copays throughout the year because I told her to - I knew in the back of my mind that we could do trial right and I explained that to her several times: "if this MAPD doesn't work, I promise I can get you Plan F back as long as you have never had a MAPD plan."
Worried in 2022 about the MAPD plan for 2023. Several meetings with me last year during AEP - gave it a chance.
Came in today - she said they would never even think about going back to Plan F. Sure, they paid copays - but it was night and day.
Paying for Plan F was a nightmare (her words, not mine). Grateful for alternative health insurance options.
