Saturday, October 24, 2015

Open enrollment paid off

Originally I was quoted a  $220 a month for the "F" plan, from my current insurance Colonial Penn agent, I have the "N" plan right now for $169.15 a month. Of course with the everyone's deduction of $104.90 a month that Medicare takes out from your social security monies and additionally my Humana RX $15.70 a month too for medications. I was told that this so far seems to be the best plan for me for RX, but he is checking into it with his person who does that.

The "F' plan is the absolute one that does pick up the 20% that Medicare doesn't, while "N" picks up that 20% for hospitals but not office visits,as I found out the hard way.
So I have been paying co-pays, but according to my new agent that has gotten me the "F" plan with United Healthcare that is with AARP for a monthly payment of $183 and change, just fourteen bucks more a month and no more co-pays, better than more than thirty dollars a month; my now agent quoted me. So as of January first I will be covered entirely with United Healthcare! For me going so often to doctors it does work out to being a better deal.
Hubby went with their United Healthcare Advantage plan which is free that is it is covered by that automatic $104.90 withdrawal monthly for otherwise what is usually Medicare that he pays anyway. He has more out of pocket for some things but is still not having too many co-pays, quite a few are 0, and this is what he wanted, also his coverage begins the first of the year. It is a relief that he will no longer be with that Florida makes US oh so Blue Cross and Shield insurance company anymore, YAY!

The fellow was quickly in and out as Hubby prefers these agents to be in just a little over an hour, on his, Hubby's terms.

The man had called last night trying to kick back the appointment an hour and Hubby told him no, since it would cut into his lunch time at twelve for his appointment that was first scheduled at eleven. I answered the phone and was willing to let it go, but this time Hubby stuck to his guns, which surprised me. But he was right, we have too many times let people walk all over us with us accepting the slightest exceptions to please their schedules, so this relationship as Hubby said that he works for us and so it is on our terms up front.
Alrighty now...

On that note of hope we finally have an agent truly working on our behalf, allow us to wish all of you a very happy good night and ask you to kindly count all your blessings and share all your overages with you know whom and we will too!

And next time please be here or be square, ya hear!

PS: He arrived at 10:45 A.M. early, which was preferable, such a small thing, but I suppose the guy must have thought I played good cop and Hubby played bad? HA!
 

Which way will the war go?

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