Tag: medigap insurance

  • Scams, Medicare, And Obamacare

    scammerObamacare or the Affordable Care Act [ACA] is NOT the same as Medicare.

     

    If you have Medicare, there is need to do anything on October 1st.

    ACA or Obamacare is for people who are not 65 or older who need insurance.

    You might get called by those unethical scammers who will try to sell you something or get your information by telling you they can do something insurance-wise  for you.

    DO NOT LISTEN TO THEM

    They want to steal your credit card information or identity

    PS – please alert any seniors you know

    Thank you.

  • Confused About Medicare?

    Are you confused about all your Medicare choices?

    confused-about-medicare

    It's "open enrollment season" which means every plan in your state may be contacting you!

     

     

    It also means that almost every plan in you state will mail you some information and maybe invite you to call them or meet with them..


    One Oregon plan offered a "free" re-useable shopping bag if I met with them.


    Let's see – drive about a 20 round trip [maybe use a gallon of gas for almost $4.00]  – plus spend my time driving and then listening to a sales pitch.


    For that I get something I can get at for a few bucks…and I can never recoup the time..


    Now if I were interested in that plan I'd go – but then if it were that good they would not have to entice me with a cheap promo item.


    For those who do go to these "events" – aka sales pitches – PLEASE – be careful…

     

    If you sign on to that plan – confused-about-a-contractyou are locked into it for the upcoming year!


    It is a legal contract – one you should not be pressured into signing.


    You have until December 7th to make your decision.

     

    There is absolutely no reason to be pressured.

     

    Comments? Thank you….


  • Important Medicare Change Deadline

    Seniors know that we are now in Open Season for changing our Medicare Advantage providers if we so choose.

    We know this as our mailboxes are filled with ads from every company in our zip code which provides this insurance!

    BUT – in 2010 we MUST make any changes by the end of this December.  The deadline is not next March like it used to  be!

    If you are a senior or know a senior – PLEASE – be sure if they want to make any changes that they do so by the end of this month!


  • More On Medicare Open Season Stupidity

    subtitled – why we need Health Care Reform and need it very badly

    Got my 186 pages of Medicare and my private insurance coverage information  a few weeks ago.  No I did not read it thoroughly and never will.  [Disclaimer – I counted the pages for notes, the unnumbered pages and the covers]

    Medicare 2010 document

     

    More recently I got the OFFICIAL medicare.gov document – it  for Oregonians as each jurisdiction gets its own version.  Page count = 128 [the feds do count covers in their numbering system.]

    What do these 314 pages tell me?

     

    • I really really need new glasses..so made that appointment
    • A lot of trees gave their lives for me 🙁
    • The proliferation of Medicare Advantage Programs is disgusting
    • If you aren't careful you'll get suckered

    That last comment came from scanning the most unbelievable company.  This ONE company – and I will not give them air time – ALL ON ITS OWN has 36 options.  Yes 36 different options!  By comparison mine has 3 – "basic" and "costs more" for anyone and "really costs more" for current members wanting to upgrade.   

    As others have options for different counties within the state maybe the 36 options have plans for block by block coverage – their descriptions are very vague… and all 36 options have the same phone number to get information – hmm call a sales rep to get truthful clear answers about each of the 36?  Not gonna happen.

    Health care reform should make this a more simple choice for those over 65.  The proliferation of plans and options is stupid and leads potentially to misrepresentation or even "honest" error by those who stand to make gobs of money from these choices.

    I did not look through the list of prescription drug plans – but add those to the mix and you have a confusing array of options here in Oregon – and elsewhere.

    Think of those who are blind or limited in reading capacity – how do they make their choices?  Scary – very scary!

     


  • Open Season for Medicare and the 1st one turned me off already!

    It’s that time of year again!  Open Season for Seniors!  Or is it Open Season ON Seniors?  

    [I was going to say "pissed me off" in the title but thought that would turn some of you off so I put that in in another way – so glad I use Thesis]

    Open season, starting on Nov. 15th, is when you can change your Medicare Advantage Plans – but the mail starts flowing now!

    Mailboxes get stuffed regularly – which is good for the Postal Service I guess.  But it is also a time of year that Medicare recipients are targeted by less-than-scrupulous persons and vendors.

    And even from the scrupulous [I think] – one gets come-ons like "meet with us and get a free calendar!"  A free calendar?  The kind one gets for free from so many businesses for doing nothing?  Wow – sign me up – not!

    I value my time and if you want me to look at your options make it easy; online or by being informative in your mailings.  And make your online information more comprehensive than the ad you mail.  I for one do not wish to meet with any sales person or give you information when your disclaimer lets me know I am "authorizing" you to contact me!  

    Maybe I am "allowing" you to contact me.  But authorize?  No way.  That means a sales person will call and call and call.  I get enough of those calls as is which is why I love Caller ID and the ringer shut off .

    And please don’t belittle my intelligence and devalue my time by offering me a damned calendar in exchange for meeting with you!!