Aetna supplemental insurance

It’s a three-year commitment, but you pay month-to-month rather than all at once. $25
Check out my previous post for the full breakdown.

Scott Alvarez4 said:It’s a three-year commitment, but you pay month-to-month rather than all at once. $25
Check out my previous post for the full breakdown.

What I'm actually trying to figure out is what happens if you pull the plug early—like, are there penalties? And do you even need a specific excuse to walk away? I can't find anything about that in their fine print, except for this bit here:

Any party involved in the contract may terminate the agreement, provided they aren't breaking it for one of the pre-established reasons.
Termination must be submitted in writing at least 3 (three) months before the end of the current insurance year.

The reason I'm asking is because I keep hearing that some massive insurance giants from the European Union are moving into the market, and once that competition heats up, they'll probably start offering way better deals. I'm in no rush to lock myself in right now.😕

Right now, these are pretty much the best terms you can find if you’re paying out of pocket $43/month, especially for those who don't have an extra prescription drug rider and end up picking up a few different medications every month that need to be covered separately.

There’s bound to be some competition coming, which should force Medicare to step up and offer a better deal—I actually think they might even have some kind of arrangement in place with the CDC.

I first set up this policy back on August 19, 2013, and my new card, contract, and payment slips for the upcoming year just arrived in the mail today.

I was trying to set up some Allstate coverage through my JP Morgan Chase account and noticed the rate is $33. I thought it was supposed to be 75, right?

Also, looking at this info, it seems like a lot of things aren't covered by the supplemental plan, and you have to sign up separately for dental stuff plus $10
.
I can't figure out how it works with Medicare. Any idea?

From what I can tell, there’s a promotion running over at Dosimeter.
The price of $25/month applies if you sign a three-year contract.

You linked to travel insurance—covering medical costs abroad—but supplemental insurance only covers treatment here in the States.
Basically, this CBO supplemental plan is offering way more value right now than Medicare!

Just take a look at the page right before that one; it explains everything clearly.

What kind of dental services would even need special negotiation??

Everything related to mandatory co-pays, prescriptions, referrals, or extra fees based on regulations is covered by the CBO supplement. It even handles those extra out-of-pocket costs for drugs on the extended list.

swiftbear86 said:From what I can tell, there’s a promotion running over at Dosimeter.
The price of $25/month applies if you sign a three-year contract.

You linked to travel insurance—covering medical costs abroad—but supplemental insurance only covers treatment here in the States.
Basically, this CBO supplemental plan is offering way more value right now than Medicare!

Just take a look at the page right before that one; it explains everything clearly.

What kind of dental services would even need special negotiation??

Everything related to mandatory co-pays, prescriptions, referrals, or extra fees based on regulations is covered by the CBO supplement. It even handles those extra out-of-pocket costs for drugs on the extended list.

Aha, so it's a promotion. If I sign up through Chase Bank,$33 do I pay monthly $33 so I can cancel whenever I feel like it, or is it an annual thing?

My bad, I didn't realize that was for international coverage. So the terms for US treatment are basically identical to Medicare.

As for the dental stuff, check this part here.

Does this plan cover hospital bills directly, kind of like how Aetna works? Or am I looking at paying upfront and then filing for a reimbursement later?

If they’ve got a contract in place with that hospital, they just swipe your card right there on the spot. If not, you’ll have to pay upfront and then file a claim for reimbursement using the receipt issued in your name.

http://www.medicare.gov/in...dinacijama-u-p

http://www.aetna.com/in...eno-osiguranje

Basically, almost all the hospitals—except for the private ones, though they have some around here too—are covered under Medicare, so you don't end up paying anything out of pocket 😉

A brilliant strategic move—paying for $25 now that Medicare has slashed its coverage rates for $23... and naturally, the USA remains absolutely silent... just... well... you know...
🙂🙂🙂

So, what’s your take on why Medicare slashed it down to $23?

I mean, they could have done this much earlier.
Honestly, who cares... for $1.75 we aren't exactly going to drop dead, and I'm certainly not handing my money over to them when they've spent years just picking the public's pockets. It’s funny how the healthcare system is supposedly bleeding money, yet suddenly they decide to cut supplemental coverage... hmmm.
The US actually started this movement, and honestly, I’m pretty happy about it.

Well, for $1.75 the differences—you also scored a lifetime subscription to a doctor at home, which usually runs you about $35 a pop😁

Aetna covers both supplemental insurance and that extra list of medications, whereas Medicare doesn't touch the supplemental stuff at all.

urbanharbor95 said:Well, for $1.75 the differences—you also scored a lifetime subscription to a doctor at home, which usually runs you about $35 a pop😁

I actually switched over to the US back in February, so there's nothing in the way of "doctor at home" services for me...☕

Joshua Gray75 said:I actually switched over to the US back in February, so there's nothing in the way of "doctor at home" services for me...☕

Joshua Gray75, my wife and I moved to the US in August, so we'll be getting two sets of doctors at home every month. If you happen to find a cheap option, I'd be happy to give you one for free. 🙂

I was at the pharmacy today and they were trying to explain something to me, but I didn't quite catch all the details, so I’m hoping someone can clear this up for me. When I asked which option would be better to go with—Medicare or State Farm—they told me to stick with State Farm. Why is that? Apparently, because Medicare is cutting costs, doctors are basically restricted to prescribing only the absolute cheapest, bottom-of-the-barrel meds on the market (I guess this means), whereas State Farm doesn't have those same limits. So, if you let them know you've got coverage through them, can they actually prescribe the higher-quality stuff?

I don't think that's quite right. It’s really more about being prescribed the more affordable options, regardless of which specific list they fall under.
Besides, we’ll be seeing an updated drug formulary soon enough anyway.
The CDC only covers the copays for medications found on the supplemental list.
If you're set on a more expensive brand-name drug that's on the basic list, you'll have to cover the price difference out of your own pocket once Medicare allows for that kind of copay. That's not what a "List B" medication means.

I don't know, man, it felt like they actually had a handle on things. Like if you were covered by State Farm, your doctor could actually prescribe the good stuff instead of the cheap alternatives.

Your primary care doctor is actually required by Department and Medicare guidelines to prescribe the most affordable generic option. It all comes down to your coverage through Aetna—specifically what kind of co-pay they pick up, just like mimoza40 mentioned.