Medicare Help Center

Medicare Help Center. Medicare insurance complaints. Should I be concerned? Complaints can fall into many areas, including:

  • Why is my renewal premium so high?
  • Will my doctor accept this insurance?
  • Why doesn’t Medicare.gov list this company on their website?
  • How do I know the Medicare supplement insurance will pay my claims?
  • Can I change Medigap plans during open enrollment?
  • Can I change Medicare insurance plans at any time?
  • Where can I find BBB ratings?
  • Where do I find the rate increase history for (AARP, Mutual of Omaha, Blue Cross . . .)

You have questions. We have answers.

Medicare Insurance Complaints

We speak with over 1,000 people each year. We take the time to answer, and sometimes research, solutions for their problems. Every phone conversation is followed up with an email that summarizes our discussion and provides links to documentation.

All we ask in return is that they allow us to offer a Medicare supplement rate quote. Some buy a plan from us, some don’t. Never any pressure. People love to buy but hate to be sold.

Why is my Medicare insurance renewal premium so high? In most cases you bought the wrong plan from the wrong carrier. Medigap plan F is overpriced and oversold. Also, many insurance carriers think they are a cable company. Give you a low first year rate then raise them considerably the next year. While you are paying a high rate they offer the same plan to new applicants at rates that may be 25% lower.

Will my doctor accept this insurance? Any doctor, lab or hospital that accepts Medicare assignment will also take your Medigap plan. When you have original Medicare and a supplement plan there are no networks and no penalties.

Verifying Medicare Information

Why doesn’t Medicare.gov list this company on their website? Medicare does not approve or directly regulate Medicare insurance supplement plans. Medigap plans are approved at the state level. Any Medicare plan offered by an agent licensed in the state of Georgia is also approved by the state.

How do I know the Medicare supplement insurance will pay my claims? Claims submitted by your doctor or other medical provider go direct to Medicare for review and approval. Once adjudicated and approved by Medicare, the claim goes directly to your Medigap carrier. Medicare supplement claims are normally paid in 3 – 5 business days from receipt. Medigap carriers are not allowed to deny claims approved by Medicare.

Changing Medicare Plans

Can I change Medigap plans during open enrollment? Medigap plans only have ONE open enrollment. When your initial Medicare Part B coverage begins you may apply for or change Medicare supplement plans at any time during the first 6 months. Drug plans (Part D) and Advantage plans can be changed during the annual enrollment period.

Can I change Medicare insurance plans at any time? You can change your Medicare supplement insurance plan at any time. However, if you have been enrolled in Medicare Part B longer than 6 months you will need to prove you are insurable.

Where can I find BBB ratings? The Better Business Bureau does not evaluate and rate Medicare insurance carriers.

Where do I find the rate increase history for (AARP, Mutual of Omaha, Blue Cross . . .). The easiest way is to call and ask. We have new business and renewal rate histories for many of the Georgia Medigap carriers. We will also quote current Medicare supplement rates by phone and tell you which plan and carrier I used when I went on Medicare in 2015.

georgia medicare supplement rates

Questions About Medicare Supplement Rates?

Why make your decision after seeing rates from only a few carriers. Most of the people we talk to bought the wrong plan and are paying too much. They allowed a salesman to talk them into buying something they don’t need and can no longer afford.

We do things differently.

We prepare a customized Medigap rate quote for those who are interested. The report shows rates and plans for not just a few, but ALL carriers based on your age, gender and zip code. These are rates you will not see anywhere else. Other brokers are not willing to be transparent but would rather show you one or two plans and say pick one.

We show you 30 or more and answer your questions. How simple is that?

Related Questions about Medicare Insurance Complaints

Consumer sights are often notoriously unreliable as a resource. There is little or no fact checking. Carriers are rarely (if ever) offered a chance for rebuttal. And there is this.

When did you ever find a consumer site where anyone had something GOOD to say about an insurance carrier?

Most of the complaints about insurance in general revolve around insurance claim denials. But those complaints do not address Medigap insurance.

Just an FYI, Medicare supplement insurance carriers cannot deny ANY claim approved by Medicare. There is one exception. If your coverage lapsed due to non-payment of your premium they are allowed to deny claims incurred while your policy was in a lapsed state.

Are Online Consumer Complaints Valid?

Consumers sometimes will read comments about one line of coverage offered by a carrier and assume that applies to all lines. I ran into this recently when a carrier I had suggested “got bad reviews” according to my prospective client. I was trying to save him money over a plan suggested by another agent. That agent showed this gentleman these reviews.

I had told the salesman up front that I could not purchase the insurance until after the first of the year. He pursued until we agreed to get the minimum of the policies he offered and told us about the free look guarantee. 

The Pushy Agent

The problem here is the pushy agent and has nothing to do with the carrier. I never “force” a sale. In fact, I don’t “sell” anything but I do inform and let the consumer decide if they want to buy, what they want and when they are ready to proceed.

Also, it is unclear what type of insurance is involved. It could be Medigap or something else. Regardless, this is an AGENT complaint and that person should be reported to the carrier.

I recently submitted a claim including death certificate on a policy that has been in effect since 2008. I am the policy owner and all my documents were intact. Because this death was police involved (meaning the decedent was shot by the police), they sent my claim to outside investigator to be certain that I was not involved.

This complaint was probably about a life insurance policy or accident policy. It is not a Medigap policy. The only time a Medigap carrier will ask for a death certificate is when the policy is being cancelled by someone other than the insured and the reason given is the death of the insured.

The carrier was right to have an investigation. If a beneficiary of a death benefit was involved in or contributed to the death the carrier has a legal right to pay someone other than the named beneficiary.

Other complaints about this carrier on this same site have nothing to do with Medicare supplement insurance.

What if You Still Have Questions?

Ask the agent.

If the agent appears evasive, or does not understand your concern, you might need a new agent.

Georgia Medicare Plans has no problem addressing your questions or concerns. If we don’t know the answer we know where to find it. And we always confirm your question and our answer by email. That way neither one of us has to rely on memory.

#MedicareInsuranceComplaints #MedigapInsurance #MedicareSupplementInsurance

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha offers Medicare supplement plans A, F, G and M. Moderately competitive rates, they trade on their name recognition. Renewal rates tend to be on the high side. Shop and compare Mutual of Omaha Medicare supplement plan F to other GA carriers.

Since 2012 the Mutual of Omaha companies have increased rates 11 times in Georgia.

This is a private site owned by Bob Vineyard and Georgia Medicare Plans.

Your information is never sold and is always secure.

Medicare shop and compare

 

Mutual of Omaha no longer offers Medigap plan N.

The most popular Mutual of Omaha plan is Medigap plan F. Mutual of Omaha ranks number three in Georgia for number of Medigap plans sold. A solid company with a storied past. They trade mostly on their name recognition and history.

All Medicare supplement plans with the same letter (F, G, etc.) are identical in every way except price. Any doctor or hospital that accepts Medicare assignment will also accept your Medigap plan regardless of the carrier. There is nothing special about a Mutual of Omaha Medicare supplement plan other than the price.

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

How much are you overpaying for your current Medigap plan? Click to shop and compare.

 

#MutualofOmahaMedicareSupplementRates  #GeorgiaMedicarePlans  #InstantOnlineMedigapRates

Mutual of Omaha Medicare Supplement Rate Increases

Mutual of Omaha Medicare supplement rates increase annually. Most Georgia Medigap rates increase only once a year while others may increase twice in the same year. Mutual Medicare supplement rates will vary widely depending on which Mutual carrier you are searching.

Currently you may find Mutual of Omaha rates as well as United World, United of Omaha and more recently, Omaha Insurance Company.

Many online sites (including ours) will illustrate current Mutual rates. Quoted rates may not reflect any loads or discounts that could be applied to the final rate.

Mutual of Omaha Medicare supplement rates

Georgia Medigap plans & Prices

 

Mutual of Omaha Medicare supplement rates

The Mutual companies are widely promoted direct by the carrier as well as many agents in Georgia. Depending on your age, zip, gender and plan selection, you can find comparable plans with higher or lower rates. medicare shockmedicare shock

Some carriers offer household discounts in the 5 – 7% range but only if two or more people apply for coverage at the same time and are approved. Other carriers will extend the discount even if the other person in your household is not 65 and does not purchase coverage at the same time that you do.

 

Medigap rate increases

One of the more common questions we get on a daily basis is, “How much do the rates go up each year?“.

The answer is, it depends.

Some carriers, such as New Era and Equitable, have a stable rate history going back for 10 years or longer. Other carriers may be 50 years old or older but have only been offering Medigap coverage for a couple of years.

Our rule of thumb is, if you want a plan that is most likely to be stable year in and year out, look at their 5 year track record. If that carrier has not been offering coverage at least 5 years you might consider paying a few dollars more for stability.

If you have questions about Medigap rate histories for a particular carrier, Google is your friend.

 

Jim and Elizabeth

A few years ago we ran across a couple from south Georgia that had just received notice their Medicare supplement rates were increasing. Both had plan F from Mutual of Omaha and their premiums were going to increase by almost $200 per month. That was more than their budget would stand.

Medicare changesBoth were in good health and did not use tobacco. They purchased their plans 3 years earlier when they turned 65. The carrier offered in Georgia at that time was United of Omaha. In three years their premiums had increased 4 times and was considerably higher than when they originally purchased coverage.

We showed them the same plan F through a different company that would save them over $1700 per year and no loss in coverage. Switching to plan G would save them another $600 per year between the two of them.

How much can you save?

Consumer comments

Before doing any search keep in mind that consumers rarely take the time to go on the internet to say something good about a company and that applies to Medicare supplement carriers as well. Ask your agent for their feelings about a particular plan or carrier and gauge their response. Medi-gap

Some agents only promote one carrier such as Blue Cross, United Healthcare (AARP) or one of the Mutual companies. Most agents will also only mention Medigap plan F. It is the easiest to explain, carries the highest premium and highest compensation for them.

In the last few years the Mutual of Omaha companies have been trying to encourage their agents to promote the more aggressively priced plan G.

Most of our clients have chosen plan G but more recently (last 6 months) we are writing more plan N’s than any other plan. I may be inadvertently influencing new clients since I will purchase plan N when I go on Medicare in September, 2015.

Do your own research and come to your own conclusions before buying any Medicare supplement plan.

In Georgia there are over 170 different Medigap plans from 30+ carriers. Let us help you find the one that best fits your needs and budget. Shop and compare now.

GA Medigap Quotes

 

 

#MutualofOmahaMedicareSupplementrates   #MutualofOmahaMedigaprates

Medicare Supplement Rates Trend Lower

Medicare supplement rates still increase every year but the increases are trending lower. Double digit renewals have declined medicare supplement rate increasessince 2010. Rate changes on new business have also declined to the 5% range. Prior to 2012 Medigap rate adjustments of 10% to 15% or more were common, especially for the “big name” carriers.

Georgia Medicare Plans continues to monitor rate changes for new and existing Medigap carriers and will always recommend carriers with a stable rate history.

CSG Actuarial is reporting that the trend of lower rate increases in the Medicare Supplement market has continued throughout 2014. The average new business rate increase implemented to date in 2014 is 4.3%, down from 5.0% in 2013, 7.1% in 2012, 8.4% in 2011 and 9.5% in 2010. CSG Actuarial believes these lower rate increases continue to be the result of lower claim trends in the Medicare Supplement market, due primarily to lower medical trends in Medicare and limited increases of the Part B deductible over the past few years. – CSG Actuarial

 

Five things you may not know about Medicare supplement rates

When you are shopping for a Medicare supplement plan there are at least 5 things most agents and carriers will not tell you.

  • Plan F Medicare supplement rates are overpriced
  • Which carriers are new to the market
  • The real savings is in picking the right Medicare Part D
  • The Medicare Advantage trap
  • How to lock in the lowest Medicare supplement rates year after year

Most agents and carriers promote Medicare supplement plan F. Why?plan f

It is the easiest to explain and understand.

Plan F has the highest rates and generates the most commission.

We have hundreds of Medicare clients yet probably fewer than a dozen bought Medigap plan F.

Medigap carriers come and go. Which one is best for you?

AFLAC jumped into the market in 2012 with low rates and high commissions. Barely 15 months later they bailed out leaving behind customers wondering what would happen next.

Since 2010 Georgia retirees have purchased plans from Mutual of Omaha companies named United World, United of Omaha and more recently Omaha Insurance company. Every time Mutual introduced a new carrier new applicants got lower, more favorable rates while existing policyholders paid rates that were 20 – 30% higher.

We have several carriers with stable rate histories that consistently beat Mutual rates and have never had a double digit rate increase.

Georgia Medicare Plans specializes in finding the best value and low Medicare supplement rates. Our clients save an average of $550 per year without sacrificing coverage.

 

Medicare Part D savings

The real savings comes in matching your Part D drug plan to your needs and budget.

Most people shop drug plans based on the monthly premium. Big mistake.

Medicare changesWe recently talked to a lady that was convinced the Humana Medicare Advantage plan was the best value for her. An agent came to her home laid out fancy brochures and carefully explained the merits of this PPO plan.

But the agent failed to run a drug report. Instead, the agent looked over her list of med’s (4 pages worth) and said all your drugs are generic except the insulin, your medications are all covered.

This explanation was not even close. The agent also failed to mention that 3 of the drugs were not covered on the Humana formulary and 7 of the drugs were tier 3 or higher.

Her projected drug costs for the year were $8800 under the proposed Humana plan.

We actually took the time to input each medication and generate a report.  Only two of her drugs were not on the formulary and 4 were tier 3 or higher.

The monthly premium was $56 higher but the annual cost of medications was $5900. The slightly higher monthly premium saves $2900 per year in drug costs!

 

Medicare Advantage trap

Medicare Advantage plans are promoted as the greatest thing since sliced bread but there are hidden traps that can rob a retiree of their life savings.

  • Advantage plans have networks that can change in a whim
  • Many Advantage plans only last 2 – 3 years before they are cancelled
  • Most retirees fail to read and understand the ANOC that arrives each September
  • Your out of pocket limit only includes in network approved charges
  • The Medicare allowed out of pocket limit increases almost every year

Don’t get lured into low premiums and ignore the real cost of these plans which is the cost of health care.

 

How to lock in low Medicare supplement rates year after year

Most Medigap plans in Georgia are issue age rated. If you buy your plan at age 65 your rates will never increase just because you had another birthday. When you are 70 years old if you kept the plan you bought at age 65 you are still rated as if you have never aged. Just like Dorian Gray, you never age.

Medicare supplement rates are trending lower. With over 170 different plans to pick from how do you find the one that is right for you? With our help you will never go wrong.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

Mutual of Omaha Plan N Rate Increase

Mutual of Omaha will be raising rates on Medigap plan N. The plan was introduced by United of Omaha (a Mutual of Omaha subsidiary) in 2010 and pulled from the market less than a year later. Individuals that bought plan N either moved to another carrier (if they were healthy), kept the plan (and the rate increases), dropped Medigap completely or enrolled in a Medicare Advantage plan. Medicare changes

It is highly unlikely plan N enrollee’s were able to move to another Medicare supplement carrier since the United of Omaha plan N was guaranteed issue when first introduced.

Mutual of Omaha no longer offers plan N, nor do they use United of Omaha in Georgia. United of Omaha was replaced by Omaha Insurance Company in October, 2013.

Omaha Insurance Company rates were approximately 26% less than United of Omaha rates for the same plan.

On October 1, 2014 United of Omaha plan N policyholders will receive a 9.9% rate increase in Georgia.

Shop and compare Medicare supplement plans. Instant quotes.

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