Important Insurance Query--UHC Medicare Supplement via AARP?

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compiler
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Date Joined Nov 2009
Total Posts : 7205
   Posted 3/18/2011 1:57 PM (GMT -6)   
I just got a mailing from AARP regarding their United Health Care Supplement to Medicare.
 
Right now, I am working and have a good Group Plan so Medicare is secondary (I'm just doing the free Part A).
 
When I retire, I would do Medicare Parts A and B but it would actually be a Medicare Advantage Plan (BC/BS).
 
BUT, this supplement plan looks good. The Medicare Plan itself is roughly $115/month. The supplement would be another $128 per month with my AARP discount for their very best plan which would cover the 20% that Medicare doesn't pay plus anything above that (ie: if the doctor charges more than what Medicare allows, the supplement pays that too). Also, if I enroll during the open enrollment period (for me it would be when I retire from my job -- hopefully not for a year or two, but I'll see how this disease plays out) there is no pre-existing condition exclusion.
 
I seen this very useful since I suspect many doctors would charge a lot more than the Medicare Approved amounts. This supplement plan would pay that. Of course, I am paying $128/month for that privilege. The supplement also pays the Medicare Part B deductible ($155.). Any thoughts?
 
Also, another insurance question. My wife is 5 years younger than I. When I go on Medicare and lose my group health plan, is she covered via Medicare? I assume not. (I think my retirement plan will cover her).
 
So, is anyone else using this Plan? Comments?
 
Mel
PSA-- 3/08--2.90; 8/09--4.01; 11/09--4.19 (PSAf: 24%), PCA3 =75 .Biopsy 11/30/09. Gleason 4+3. Stage: T1C. Current Age: 64. Surgery: Dr. Menon @Ford Hospital, 1/26/10. Pathology Report: G 4+3. Nodes: Clear. PNI: yes. SVI: No. EPE: yes. Pos. Margin: Yes-- focal-- 1 spot .5mm. 100% continent by 3/10. ED- yes.. PSA on 3/10/10-: 0.01. PSA on 6/21/10--0.02. 9/21/10--0.06; 1/4/11-0.13,3/1/11--0.27

compiler
Veteran Member


Date Joined Nov 2009
Total Posts : 7205
   Posted 3/18/2011 2:54 PM (GMT -6)   
Well, never mind, I guess.
 
When I retire I can go back to my teacher's pension State system. That would basically be some kind of BC/BS Medicare Advantage Plan.
 
Now, I would RATHER do the Medicare A/B plus supplement, but I can't because in order to have my wife insured I have to be insured through this State plan (I am a retired teacher in Michigan although I now teach at a University). But if I have a Medicare Advantage Plan, I can't get the Supplement. Oh, well, my wife will be 65 in 5 years and we can revisit this at that time.
 
I do hear that the Bc/BS Advantage Plan is decent.
 
Mel
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