Aetna supplemental insurance

Who's actually worth using for supplemental health insurance?

Medicare covers you if you don't need any specific regular medications from the B-list, while the Social Security Administration handles things if you actually need something from that B-list category.
Honestly, there isn't much point in worrying about the B-list if you aren't already using those meds—doctors, dentists, and OB-GYNs all use systems that automatically suggest which antibiotic or medication to prescribe. Since those lists are ranked by cost, they’ll always suggest the cheapest option first, so B-list items rarely come up unless necessary.

The Social Security Administration used to run promotions for $25, though I don't think they have anything active right now. You really have to check with all their various partners during new contract cycles—they often run specials through places like JPMorgan Chase, Wells Fargo, or Bank of America at different times...

Medicare and the US government are the only ones where you can just use their card to cover things.
With everyone else, you're stuck paying out of pocket first and then waiting around for them to reimburse you... 🤦

I honestly don't get why people wouldn't just stick with Medicare. Private insurance companies are always pulling some kind of shady stunt or playing games with the fine print... and then when you actually need something covered, suddenly they claim it’s out of network or hit you with some absurd, bureaucratic nightmare of a process.

A few reasons that come to mind immediately:
-some people just prefer paying out-of-pocket to private providers;
-others end up dropping hundreds of extra dollars on medications that aren't covered by the standard plans offered by Medicare;
-they're everywhere—you see them at every local bank or corner drugstore...
-competition naturally drives the prices down.

goldenranger6 said:I honestly don't get why people wouldn't just stick with Medicare. Private insurance companies are always pulling some kind of shady stunt or playing games with the fine print... and then when you actually need something covered, suddenly they claim it’s out of network or hit you with some absurd, bureaucratic nightmare of a process.

Just wait until the price hike hits.

I’m struggling to wrap my head around this. Honestly, a lot of things don't make sense to me. I used to have Aetna supplemental coverage, but after dealing with their sheer rudeness and sub-par service, I switched over to the private plan. Now, I’m seeing announcements that supplemental premiums are going up.
Does this mean my current provider is going to hike my rates too? And if they do, do I actually have the right to cancel my contract? I signed on specifically for the price of $22, so it feels wrong to be locked into a deal while they reserve the right to jack up the cost whenever they feel like it—not to mention likely cutting corners on service quality at the same time.

Aetna won't budge on the price. I gave them a call because I’m planning to switch over from Medicare myself, but I'm still trying to wrap my head around how their cancellation process actually works.

Richard Moore53 said:Aetna won't budge on the price. I gave them a call because I’m planning to switch over from Medicare myself, but I'm still trying to wrap my head around how their cancellation process actually works.

Yeah, I looked closer at the fine print and it says Medicare is raising the supplemental rates. It would be standard practice for any change in major contract terms to allow you to opt out of your current policy. When I reached out to Aetna, they walked me through the whole procedure. Still, it's in their best interest to keep things vague. 🙂 Your best bet is to call them directly so they can explain the exact steps for your specific situation.
Honestly, I had some trouble getting straight answers from Aetna until I started making a scene. I don't get why dealing with these companies in this country is always such a headache. 🙂

Unfortunately, my unemployment benefits through the state agency are set to expire this May, so I’m planning to head back to the States. I managed to politely inquire about my options, though I have to say, all this rising inflation is driving me absolutely crazy.

Sent from my GT-I9505 using Reddit

So, does this mean once I hit my 60s, I’ll be forced to jump onto a much more expensive insurance plan?

Sent from my Samsung Galaxy using Reddit

I am planning to switch over to the CDC as well. I tried calling them earlier today, but I couldn't get through because their lines were busy, so I thought I would ask here instead.
What is the monthly premium for State Farm with the B list option?
Thanks.

Richard Moore53 said:So, does this mean once I hit my 60s, I’ll be forced to jump onto a much more expensive insurance plan?

Sent from my Samsung Galaxy using Reddit

You can actually find a whole FAQ section right on the CDC website here:

A client signed up for a Deloitte policy at age 59, including the B-list coverage. Will the premium automatically jump to a higher rate (currently $50) when they enter the calendar year where they turn 61?
In this scenario, the client keeps paying the specific rate they originally locked in, $32 until the policy term actually expires.

A State Farm policy for the B-list plan runs about $32 a month, which adds up to $388 over the course of a year... whereas the A-list coverage is $22.... if you’re looking to grab a policy, just shoot me your info in my DMs and I’ll give you a call...

quietwalker5 said:I am planning to switch over to the CDC as well. I tried calling them earlier today, but I couldn't get through because their lines were busy, so I thought I would ask here instead.
What is the monthly premium for State Farm with the B list option?
Thanks.

Richard Moore53 said:So, does this mean once I hit my 60s, I’ll be forced to jump onto a much more expensive insurance plan?

Sent from my Samsung Galaxy using Reddit

If you lock in a policy with the B-list where you're paying $32 a month, once you turn 61, that rate stays the exact same... since these policies basically run until you cancel them...

electricbadger24 said:I’m struggling to wrap my head around this. Honestly, a lot of things don't make sense to me. I used to have Aetna supplemental coverage, but after dealing with their sheer rudeness and sub-par service, I switched over to the private plan. Now, I’m seeing announcements that supplemental premiums are going up.
Does this mean my current provider is going to hike my rates too? And if they do, do I actually have the right to cancel my contract? I signed on specifically for the price of $22, so it feels wrong to be locked into a deal while they reserve the right to jack up the cost whenever they feel like it—not to mention likely cutting corners on service quality at the same time.

Look, if you signed a contract for $22, then that's what you're locked into for now... it stays valid until you decide to cancel it. They know damn well that if they raise rates too high, a massive crowd of people is gonna jump ship... so for now, you stick to the rate you signed for until the moment you choose to drop the supplemental plan...
if you've got more questions, just shoot me an inbox message... I'll get back to you...

LISTEN UP FOR ANYONE WHO ACTUALLY GIVES A DAMN ABOUT THEIR HEALTH.... There's a brand new supplemental health program coming out soon from Geico.... If you want to find out exactly what kind of coverage they're rolling out, just shoot me a DM with your info.... Seriously, I’d highly recommend looking into this... You might be pretty shocked by what's on the table...

Does anyone happen to know if a Geico supplemental insurance card goes through without any hiccups at CVS locations in Washington, D.C., or am I going to have to ask them for a printed receipt?

Geico coverage should show up directly in the system, so I mean, there really shouldn't be any out-of-pocket costs at all, even in situations that are supposedly covered under the terms. Personally, I have Coca-Cola, and honestly, I haven't even bothered reading through the fine print, but a colleague of mine who was hunting for a cheap policy mentioned that MRI scans aren't actually covered—or rather, they're only covered up to the amount of the premium itself, which seems a bit much. Also, I really think the agents over at State Farm need to get their act together and step it up a bit 😁 Everything could have easily been laid out in a single post

I personally have a Coca-Cola card through my employer. I signed a contract involving some union agreements for $25 a month for a three-year term, and that period has just wrapped up. My previous card was white, which covered both drug formularies as far as I knew. They reached out to me about a month in advance to see if I wanted to renew the contract. I told them I was definitely interested, provided the terms stayed exactly the same. They agreed, and I just received my new card today, which still covers both lists for $25 monthly.

Over those three years, I visited my doctor several times for spinal X-rays, MRI scans, and physical therapy. Regarding PT, the only thing they asked was what color my insurance card was just to check if I’d have any out-of-pocket costs. I also hit the pharmacy quite often, mostly for analgesics and a few other medications that I know others end up paying extra for, but believe me, I didn't spend a single cent out of my own pocket during those three years. Basically, all I paid was $25 monthly. I assume that's roughly what people pay nowadays at Coca-Cola, about $32 monthly. There were zero $3.25 at the pharmacy or at my primary care physician. What surprised me most was that for three weeks of physical therapy, the MRI, the X-rays, specialist consultations, etc., I didn't owe anything. Consequently, I didn't even have to submit any claims to Coca-Cola for reimbursement. Every pharmacy I used had the Coca-Cola sticker on it, as did the medical centers and other facilities. In places where there wasn't a sticker—like at a specific physiatrist—I simply asked first.

Actually, three years ago, it felt like $43 was way too much for supplemental coverage through Medicare, so I tried setting money aside just in case I needed to cover doctor visits. However, I couldn't always stay disciplined; I ended up needing that cash for other things and spent it. Then I stumbled upon this promotion through my company. So, that's my experience with Coca-Cola. I hope this helps someone. I wasn't entirely sure what to expect from a private provider at first, but honestly, Coca-Cola has been a pleasant surprise.