How do you get hold of someone there who speaka da engleeeesh? Humana just dropped SNP coverage on us SNP standing for special needs patient usually due to disability. I tried calling United Health Care twice yesterday and got the same exact so called licensed agent on their toll free number who no speaka da engleeeesh...
On the cover of my new 2013 Medicare Advantage policy book...... it’s a thick book, the customer service number is 800 643 4845.
However, rather than dealing with a person over the phone, go online.
Here is their website describing all their plans.
https://www.uhcmedicaresolutions.com/health-plans/medicare-advantage-plans
Selecting a plan is not an easy task because there are many that are tailored to individual needs and are county specific. It takes some work to sort through it all and then make a decision.
It can then be completed on line and there are people available to assist. I never have a problem communicating with them.
The Medicare Advantage Plan my wife and I both have is AARP MedicareComplete Plus Plan 1 (HMO-POS) I bought mine on line the first time and my wife bought her’s later from a local agent. Itwas strange. The plans were identical but were administered differently. That is not true now however. We pay $0 per month with $10 copays at primary doctor and $25 for a specialist. There is an in network maximum out of pocket payment of $3,400. After that medicare kicks in.
So the way we figure it, we are both in good health and as long as our copay bills don’t exceed the $3,400 limit, the $0 per month plan is good for us. There are other plans that have monthly costs but no such limit for those with problems requiring more intense health care.
There is also a drug component. I buy the three prescriptions I have in 90 day quantities from their online pharmacy. This is easy to administer because there is a procedure where the doctor faxes or e mails the prescription in and the order is filled automatically and billed to the credit card on file. They notify when you are running low and then you go online to your account and order for the next 90 days. It works well.
You are restricted to in member doctors or groups. There is a tremendous long list so that is not a problem for me. If you go outside, the copay is increased slightly.
While traveling, I broke my leg in Cheyenne Wyoming nd the plan was accepted at the local emergency room. Three days later I went to an orthopedist (a specialist in plan) in Twin Falls Idaho to remove the splint and get a boot (cast). I traveled on to Alaska to another orthopedist in Anchorage for routine consultation and visited him again in three weeks to remove the boot. It was all seamless and the United card was accepted as routine with no problem.
United looks after you. Once they learn your problems they send you info to be sure you take advantage of wellness procedures built into the plan.
My advice is to go online and study all the stuff and select and eliminate until you get it down to two and then select. I actually made a sheet with the various options and costs for the various plans available so I could have it all in one place to help the decision. The worst problem is learning to speak medicare. There are tons of special terms that end up being acronyms and are somewhat confusing. Once you get it all in your mind you can then speak with alive person to help sort out the hard parts.
One other thing. My wife and I both have a credit card with enough balance available to cover the $3400 out of pocket minimum. It is used only for medical expenses. It provides a good record of medical costs at the end of the year. It is the equivalent of the Republican proposed personal health account done outside an employment situation.
If Obama and is reelected and actually kills my medicare advantage, he is in mortal danger.