Georgia Medicare From a Doctor’s Perspective

Doctors in Georgia are having trouble getting paid by government run health insurance plans such as Medicare and Medicaid. This will only get worse under Obamacare.

What is the benefit of having taxpayer funded health insurance if you can’t find a doctor to treat you?

If you are relying on taxpayer funded health insurance such as Medicare or Medicaid, you should be concerned about where you will find a doctor willing to accept you as a patient.

Affordable Medicare Supplemental Insurance in Georgia

Georgia Insurance Shop has a wide array of plans for Georgia seniors. If you have a Medicare Advantage plan that is going away, or are just looking to make a change during open enrollment, ask for a competitive quote. We have low Medigap rates from all the major carriers including AARP, Blue Cross and others.

 

AFLAC Medicare Supplement

AFLAC Medicare supplement plans have come to Georgia . . . but should you buy? The AFLAC name is known by almost everyone with a TV. This Columbus, Georgia based company has for years concentrated on the worksite market, offering a wide range of supplemental insurance plans.

Now they are back in the Medigap business . . . again.

After testing the Medicare supplement business years ago, and then leaving it, they have decided to re-enter the market in Georgia in 2012. For over a month Georgia agents that specialize in the senior (Medicare) market have been blitzed with solicitations to sign up as an AFLAC Medigap broker.

Broker response has been underwhelming to say the least. A few signed up and will actually promote the product but most of the ones I know only completed appointment papers to say they can offer the product.

I have yet to meet an independent Medicare agent that actually plans on promoting their product.

The initial offering in Georgia is reasonably priced but for most zip codes and ages, there are better values from Medigap carriers that have been in the market continuously for several years.

Should you buy an AFLAC Medicare supplement plan?

Keep in mind that ALL Medigap plans with the SAME LETTER are identical in every way EXCEPT rates.

If you compare Medicare supplement plan F from AFLAC with Blue Cross, the plan benefits are identical. Any doctor, lab or hospital that accepts Medicare assignment will also accept ANY Medigap plan. A “brand name” carrier does not pay claims faster or better, nor do they have an edge over a lesser known carrier.

The ONLY difference in plans is the premium rate you pay.

When you pay more you don’t get more, you simply paid too much.

Before buying a Medigap plan from anyone, compare Medigap rates. Georgia Medicare Plans makes it easy to click, quote and compare popular Medigap plans and we never sell your information to anyone.

 

 

Type 2 Diabetes – Actos

Type 2 diabetes can be managed with diet, medication or both. Actos is a popular medication that is used to control type 2 diabetes, but it comes with a warning.

The Food and Drug Administration approved generic versions of the type 2 diabetes medication Actos (pioglitazone) type-2-diabeteslast week. But we say skip Actos as both a generic and brand-name medication, unless other options have not worked. Pioglitazone can cause serious side effects, such as an increased risk of heart failure, bone fractures, and bladder cancer. Other medications to treat diabetes, such as metformin, are a better first choice.

For those who must take it, only three manufacturers are currently allowed to make the generic formulations of Actos for the next six months, so the price will likely stick close to the brand-name version, which can run an average of $377 for a prescription, if you pay the retail price. Once more manufacturers are approved to produce it, the price of generic Actos will begin to drop.

Bottom Line: Our medical advisers say that people with diabetes should use pioglitazone, generic or brand-name Actos, only as a last resort. If you’re on the drug, ask your doctor if it’s absolutely necessary and if you should switch to another drug. Our Consumer Reports Best Buy Drug recommendation is the drug metformin, either alone or with glipizide or glimepiride, for most people with type 2 diabetes, combined with a healthy diet, regular exercise, and losing excess weight. Those three generic medications can be usually found on the discount $4 generic drug lists at the pharmacy of most chain stores such as Kroger, Target and Walmart, and may be purchased for as little as $10 for a three-month supply.

Consumer Reports, Avoid Actos for treatment of type 2 diabetes, August 2012

Georgia seniors with type 2 diabetes can qualify for a low cost Medigap plan in many cases. Get an instant, FREE Medigap quote by following this link to savings.

Mutual of Omaha Medigap Rate Increase

Since 2010 the Mutual of Omaha carriers (there are 4 of them) have increased rates in Georgia 9 times.

Since 2010 Omaha has used 3 different carriers in Georgia with 3 different rate structures. The longer you keep your plan the more you pay while new applicants get lower rates.

Mutual of Omaha pulled plan N off the market in 2011. Ask me why.

Compare your Mutual of Omaha rates to similar plans from other carriers. Click to find instant rates.

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If you have a Mutual of Omaha Medicare supplement plan, or are contemplating buying a Medigap plan from them, now is the time to compare plans and determine if you can get a better rate.

I turned 65 and went on Medicare in September of 2015.

I did not buy an Omaha Medigap plan.

I did buy plan N from a carrier I often recommend. My rate is $104 per month.

We recently showed one Georgia couple how they could save over $1700 per year by making a switch. How much can you save?

Georgia Medicare Plans has Medigap rates from all the top carriers including Blue Cross, Humana, AARP, Sterling Investors, New Era and others.

Compare instant Medigap quotes online and ask for a personalized proposal that includes carriers that do not allow their rates to be illustrated online.