MEDICARE CARRIERS IN THE ARKLATEX
UNITED HEALTHCARE, HUMANA, CHRISTUS
UHC and Humana offer the following;
* STANDARD MEDICARE ADVANTAGE
*MEDICARE ADVANTAGE WITH PRESCRIPTIONS
* PART B GIVE BACK, CHRONIC AND DUAL ELIGIBLES TOO
*MEDICARE PART D DRUG PLANS
*MEDICARE SUPPLEMENT PLANS
*Some dental plans (Optional Supplement Benefits or OSBs)
Christus Medicare Advantage - 3 plans
*Standard Medicare Advantage with Prescription Drugs
*Standard Medicare Advantage with $125 Part B Reduction
AETNA
Little or no available Medicare Advantage plans available depending on your zip code but they still offer Medicare Supplements and a variety of supplemental products.
PHYSICIANS MUTUAL
Extremely stable company they offer
Supplements including an Innovative G with a vanishing deductible
Dental with a vision rider
Cancer & Life
Expect longer wait times for approvals.
Great plans but higher copays across the board. Drug plans are pricey but copays are low. Limited plans in LA and AR. Inpatient copay... up to $450 per day.
United Healthcare
Consistently longer waits for pre-approval on procedures according to customers.
Many plans to choose from, average copays, MOOP runs from $3400-9250. Inpatient copay... $295-$325 per day.
Humana
Available only in Texas, this is a closed network - you have to work within it. Approvals are generally pretty fast. Most of our hospitals and local doctors are in the system. Inpatient copay is ZERO.
Christus
There are good reasons for any particular carrier to work with your situation. It takes a hot minute to find the right plan.
* You may need particular doctors that are found only in one network.
* You need more spending money for OTC,
*or a chronic plan you can only get with a certain carrier, to get the food benefit you need.
*Your dentist, opthamologist, or other specialist has dropped your current carrier's network but can be found in another,
*You're on a tight budget so you need the lowest copays and your current carrier is getting too expensive,
*you have a supplement - but the premiums are getting so high you don't want to pay them anymore.
* You need a lot more dental.
The list goes on. Whatever your situation, these local carriers will have a plan for you.
AEP and OEP
If you make a plan selection this fall, October 15-December 7 and find the plan doesn't work as well as you expected, don't despair. Open Enrollment is January 1 - March 31 for a one-time change to your Medicare Advantage plan. You can even try out a Medicare Advantage and go back to your supplement plan if you like, within 12 months. That's the law. For more information or a conversation on what could work best for you, give me a call. 430-999-2271. I've got you.