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I need help in making Health Insurance decisions.... let me explain:? My husband and I are both disabled. We both receive Medicare Parts A & B. Husband took disability retirement 8 years ago from the VA (Federal Government), and through them, we pay a monthly premium for Aetna health insurance, which helps to cover my expensive prescriptions. We thought that Aetna would pick up the leftover costs of whatever Medicare did not cover. WRONG. The Aetna policy we have is not a Medicare Supplement plan; just a plain vanilla healthcare HMO. Ive been trying to do some research, but it is driving me crazy trying to decipher what the Federal Government offers its disability-retirement employees versus what Medicare offers, including its Plan D for prescriptions. Ive already used some of the online decision-making tools, but Im still not getting a clear picture of whats out there and how we would save any $$.There are seminars all over the county put on by local BC/BS Medicare Advantage plans, but they are all trying to sell something.Whom can I trust to help?
Go to this website click on Plan Comparison, put in your zip code and see what insurances are offered in your area. You can see the basics on all of them and cost...for Medicare make sure the policy will help with it...the Comparison feature will tell you... If you have expensive medicines, you need to seriously consider enrolling in Medicare Part D coverage.
Despite all the complexity, you need to get on a Part D plan.
It is a true shame that lawmakers when passing first the Discount Drug Cards and now the Part D plans could not have simply made it easier for seniors and the disabled to understand.
Unfortunately there is no one central, trusted and unobjective resource for making this easier.
The on-line tools you are using may be your best bet. Is Aetna Health Insurance any good? I am healthy, but if something happens I want to be sure I am covered. Have you had any good or bad experience with this company. I currently have Humana, and they dont want to pay for a minor office visit, so I am changing. Anything you could offer would be great. Thanks.
We have Allied Benefit and its so confusing.
My only experience with Aetna is when my mom had them for her hospice care. I remember the rep being SO kind when we needed things - and she was a credit to that company.
Every company has pros & cons - its really hard to make a choice. I might direct you to - for info in general. Sometimes I read The Rip Off Report but again, some of those whiners dont have a case - some do! Listen, ALL health insurers are stupid. (Each one is dumber than the next, at least from the providers point of view.) I currently have Aetna for myself and have no issues with them whatsoever.
You want to make sure that any doctors or hospitals/facilties you might use are in network - you get better benefits that way. And, as long as you stay within the notification (i.e. referrals, etc.) guidelines, and you have an idea what the plan covers and what needs authorizations, you should be fine. Aetna has increased my monthly premium after only 6 months. Can they do that? I WAS EFFECTIVE ON 12/15/05 AND TOOK AN INCREASE BECAUSE OF A MEDICATION I AM TAKING. PREMIUM WENT FROM 4. TO 289. NOW 6 MOS LATER THE PREMIUM IS
BEING INCREASED TO 9. A MONTH. THIS IS FOR A ,000. DEDUCTIBLE. WHEN i CALLED THE INSURANCE THE C.S.R TOLD ME THAT AETNA CAN TAKE AN INCREASE EVERY 6 MONTHS. I THOUGHT A CONTRACT WAS FOR A CALENDAR YEAR, NOT SEMI-ANNUALLY.........ANYONE OUT THERE HAVE AN ANSWER?
You need to check your policys fine print. Dont have the answer but Yea I know what ya mean. Cheatin Bastards!!
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