Posted on 12/10/2024 10:20:41 PM PST by NoLibZone
From my open enrollment next year, what would be some good alternatives to United healthcare.
I'm new to all this Medicare stuff.
It's unbelievably confusing to somebody as simple as me.
Thank you
Obama #ed over the insurance industry
Obama #ed over the insurance industry
All by design, in order to bring about Single Payer.
From what I understand, United Health is the umbrella company for so many insurance companies. For instance, I’m not positive, but I believe they own Humana. I need to do some research on the issue.
After looking at the graphs of their claim denial rate, I want to stay far away from the company.
Their greed is what did them in. They thought they could socialize their costs.
I’ve heard Obamacare is collapsing on itself, so it may be self-correcting.
I would go with original Medicare, plus a “supplemental” plan (also called a “Medi-gap” plan). Specifically, I would get the one called Plan G. The same plan is offered by many insurance companies, and you should probably pick the cheapest because
>> Their greed is what did them in.
Similar to the consequences of Clinton’s & Frank’s CRA that forced lenders into making unqualified mortgage loans. The real damage occurred once the predators got involved.
Aetna Medicare Advantage is very good.
There is very little difference between any of the insurers.
“Obamacare” requires them all to offer certain benefits.
Choosing one is like throwing a dart at a dart board.
Just pick one.
Well, I would change too but in general, denials are not as much of a problem in traditional Medicare as in general health insurance (younger people). It is fairly clear cut as to what is covered and what isn’t. And I don’t think the “medically necessary” disputes come up as much.
Now, in Medicare Advantage — which isn’t really Medicare — things might be different. Often, prior approvals are required and out-of-network denials happen.
I have United and so far they have been great.
I think they are all the same. One of the things Obamacare did was require coverage of certain things whether people want them or not.
I am flabbergasted that I took some money out of my retirement. It increased my income, so it increased the amount I will pay next year for Medicare. My Medicare rate doubled for next year.
I have Humana USAA Honor Giveback (PPO). They kick about $80 back to me each month on my Part B premium. I am satisfied with it. I also have VA insurance.
I have a guy I know who’s a Medicare broker.
I switch back between Humana and the VA, depending on my wants/needs. Each person has individual needs, different than everyone else’s.
Maybe find a Medicare broker.
We are very happy with UHC.
BlueCross/BlueShield Secondary
Didn’t the window close December 7th?
Window opens for 2026 in November 2025.
Yep.
The Medicare Advantage plans offer you trinkets and baubles up front, but daggers in the end when major illness arrives.
If you live for today, choose Advantage plans. If you live for the long haul, choose the government plans.
Where the Advantage plans really screw you is in denying rehab after a stroke or major injury.
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