We have United Healthcare. So far so good.
The best plan depends a lot on your location. Medicare probably already mailed you a booklet listing all your local plans, or you can find them online. I use a Medicare Advantage plan and like it, but everyone is different.
Aetna Medicare Advantage here.
You probably need to do a search on the medicare website. Policies vary from state and even from county to county in some areas.
My Aetna is $0 for 90-day generics, $0 primary care doctor co-pay, next year $3500 dental and $135/qr OTC supplements and supplies, etc.
United......................
With Medicare supplement you can expect annual increases. My understanding is that if you switch plans you will be subject to underwriting. It probably will be cheaper to stay where you are, if the company is solid.
Looking forward to other opinions.
All qualified Medicare supplemental policies are identical in coverage by law.
We decided to get the United policy through aarp since they are a marketing juggernaut and continually bring in younger members.
I noted their increases stay small and I think this is why.
We had to join aarp one time for $8 to qualify.
I suspect aarp spent more than that on us in junk mail costs.
Once into the United policy you do not have to be a member of aarp, so we never renewed, since we don’t like aarp.
This was our choice and it worked great. Ymmv.
As others here have pointed out, what is available to you varies by state. For example, here in KY there are variations on 2 coverages: one from Anthem and one from Humana. We can choose between HMO-type arrangements or something called PPA. I have Anthem’s Medi-Blue Plus, which is an HMO. My wife has Humana.
We decided based on our health concerns. In my case Anthem offered the best coverage: most widely accepted (my own MD and his wife have it), most of my generic drugs are $0, and the cost is just my basic Medicare Premium.
There is no easy shortcut to figuring this stuff out. Do your research. I happen to belong to the conservative alternative to AARP, called AMAC. One of the benefits of that membership is access to experienced advisors who can walk you through the alternatives in your state. It made it much less intimidating and stressful.
Check out Humana for Part D
I’d recommend a Medicare broker like Marvin Musick https://www.youtube.com/results?search_query=marvinmusick
Another one is Boomer Benefits => https://boomerbenefits.com
You could also contacts your state’s SHIP (State Health Insurance Program) for advice.
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Switch to Aetna Medicare advantage or United Health which is similar. Both good. I’ve got Aetna but was on United Health previously.
We’re with Mutual of Omaha, too. Rates ... argh!!!
United health care here in tx many years.
If you find a good Medicare broker he will help you sort all this out. My wife and I prefer regular Medicare (Plan G) with a supplemental plan over the Advantage plans. Costs a bit more than Advantage plans but no concerns about whether a doctor is in network and also no geographical limitations within the US.
We have “standard” Medicare(A&B) and D(meds), and G(supplemental).
D is using Silverscript. Had Elixir but their rates skyrocketed at the end of 2021 so we changed to Aetna Silverscript for 2022-present.
G is using AARP/United Healthcare. Wifey is 2 years younger and signed up this year, she got a MAJOR discount as we were given a “family” or “multiple members in same household” rate. Saved us about $100/month this year.
There are "flat" rate plans and age based plans. The only flat or group plan available in Oklahoma owing to the small market is AARP / Humana. All others will go up at inflation plus your age group. Those age based premiums are in the opening disclosures and are significant; there will be inflation on top of that as there is for AARP.
I can't see how advantage is not a loss leader but some people have done well with it. I don't go to the doc much but the AARP supplement hasn't paid a dime in two years. If you go advantage you are locked into the network and woe betide any departure from that.
See if Health Markets has a broker in your area. Ask them for options.