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Senior Contributor. The Cigna Group is selling its Medicare health benefits businesses and a medical care provider services operation for $3.3 billion to Health Care Service Corp., Jan 1,2024 HCSC will acquire Cigna's Medicare Advantage, Part D, supplemental benefits and CareAllies businesses, and the parties expect the deal to close in the first quarter of 2025.
Can I ask how many years have you had your Humana plan before they decided to raise it to that amount? I'm looking for a supplement g. And im trying to decide if I should go with a supplement g or and n plan. And I'm looking at Humana. I really would appreciate your feedback.
Gosh here I am 65 still working, not drawing social security yet, not on Medicare yet and have BCBS Insurance with my company which is basically an Advantage Plan in my opinion. Never used it much, but being younger and healthy never really needed it. But if we make it to the so called "Golden" Years many of us will need better insurance in my opinion. These Advantage plans offer all these perks but that doesn't help me if I have a $100,000 bill so it is the Supplement plan for me. Great Video!
You didn't mention that you have to purchase a part d plan for in addition to the a and b. Also if Medicare will not pay for a particular medical care the supplement doesn't recognize it and will also not pay, which includes hearing aids, dental and vision
Thank you, Marvin Musick! I really like these Insurance Company comparisons for Plan B and plan and. They’re very helpful and, as always, I appreciate your great insight and experience.
I contacted Medicare School to change my supplemental plan and was told my plan is Guaranteed Issue and Medicare School doesn't handle those kind of policy changes. I'm one of the fortunate who lives in a state that acknowledges birthday month where I can change my N supplemental plan (N plan or any lesser plan) to any insurance company with NO medical underwriting. To change to G plan, I would have to undergo medical underwriting so that's out. I really prefer to go with Medicare School to assist with the supplemental change in August but they were so kind and gave me the new rates and phone numbers to four insurance companies. On 3/1/24, United Healthcare was the only company that would take me for supplemental (medical problem now resolved🎉) for a whopping $420/month. The new birthday rate with Humana is $114.93 per Medicare School. I will probably go with another company to assist with the change for working knowledge support. Thank you Medicare School for being so supportive and great information!
Great Video but not East coast relevant. Can you do a comparison between New York and Connecticut United Healthcare and Humana plan G and plan N. I pay $229 soon to be raised to $265 per month plan G on United Healthcare. Thinking about changing to Plan N before my initial 6 month window. Please help us high premium paying seniors❤
Senior Contributor. The Cigna Group is selling its Medicare health benefits businesses and a medical care provider services operation for $3.3 billion to Health Care Service Corp., Jan 1,2024
Nice job in presenting the data. (It would be very helpful if the system would lightly highlight the section you're talking about as you discuss it. I spent most of the time trying to locate where you were and missed the rapid-fire details.) My retirement company transferred me from my Cigna Medicare/supplemental plan to a Humana Medical Advantage PPO plan. Thankfully I only have two doctors outside the plan but it is very tedious and involved to get the required hard data from the doctors and then MAIL it in!! I'm in New York City and think I will go back to Medicare/supplemental plan.. with either Cigna or Humana.
All i can say is i am NOT looking forward to getting on Medicare in May of 2025. Don't know what to do even after watching all these video's on youtube for 5 months?
@skydancerforever, traditional Medicare plus supplemental is actually pretty awesome compared to most other medical insurance. When my husband moved from my employer’s excellent group insurance to traditional Medicare plus supplemental, he received much better coverage for half the price. No need to fear Medicare.
@@DataPilot370 Yes i see coverage is good with traditional Medicare with supplements. Problem is COST. I retired early at 62 so another $300 + out of my check is a problem. I may be force to go a the other route which i do not want too. This is my big dilemma and why i am not looking forward to it.
@@skydancerforever All I can say is that, where I live, Medicare Advantage is practically in meltdown while traditional Medicare works very well. I, too, was forced to retire earlier than I wanted to due to family caregiver responsibilities, so I understand where you’re coming from. I hope you’re able to get the coverage you need once you turn 65. Best wishes!
@@DataPilot370 thanks, I think Advantage plans are going to be in meltdown everywhere starting in 2025. Starting to check on all of this in my area. Will see what happens.
@@skydancerforeverWell, I started out with supplemental..too expensive..went to free advantage plan…now I am old and looking for supplement (still in good health). Don’t want to loose my home
On the Humana web site all their supplement plans are labeled as Humana Medicare Supplement Plan. Is that still a normal plan G, or is that something different?
No contest here in upstate NY. All the doctors in our area work for Albany Med, who owns the local hospital, and they will no longer accept United Healthcare, Wellcare or Humana.
You will have a few options as far as coverage, we'd be happy to lay out all those options and review them with you! You can give us a call at 1-800-864-8890
I think it’s really sad Humana took away the grocery allowance and the help with glasses and hearing aids. I looked up what the CEOS make and it’s millions! We’re calling around for something better
My sister was on United Healthcare cobra before she retired, then picked United Healthcare as her Medicare supplement. Big mistake, her medical billings are hopelessly screwed up. Had surgery just before going on Medicare so related medical events cross over, a big paperwork mess.
It sounds like her coordination of benefits are out of order. You can call this number and they will be able to ensure that Medicare has the corrects plans in place to bill. (855) 798-2627
I visited my doctor yesterday about an upcoming surgery, and said we were going on Medicare next year (US Postal Service program of paying penalties incurred by not signing up for Medicare at age 65). We are presently on Blue Cross through the Postal Service and will keep them as our supplemental insurance). My surgeon, after hearing this news said,with some panic in her voice, "You're not going on Humana, are you?" When I assured her I was not, she gave a huge sigh of relief.
It depends on where you reside as cost vary based on where you live. You can call our team we'd be happy to review and lay out the cost for you! You can call our office at 800-864-8890.
I currently have a supplemental Humana G plan that I went on in October 2023. At that time, they offered me a household reduction of 3% but later starting and January 2024 they took it away now I’ve been trying to find out why they can’t tell me why they billed me back for the three months they gave me in 23. My husband is also on this Humana G plan and was also supposed to receive this 3% discount.
There are many places that are not going to except Humana in the future. Many hospitals and clinics in the Midwest will stop taking it in 2025. In New York and upstate New York Humana will not be excepted in there major hospitals or clinics. I was a patient there and received a notification that they no longer will except Humana as insurance.
Where we live two of the major hospital/clinic systems won’t accept Humana and Cigna isn’t in our market at all. Of course Cigna doesn’t matter since they’re leaving the Medicare business anyway.
Marvin, I have been working with one of your agents on selecting a Medicare supplement plan. They said Human and Cigna are not as stable as Aetna. In this video your saying that Human and Cigna are stable. Can you please clarify?
The purpose of these videos is to help those who have minimal options. In some places not every carrier is offered so it may be that they only have the option of Humana and Cigna. We do have other carriers that are more stable vs. these. But we make these videos to help everyone weigh out there options appropriately.
Do all supplemental plans have a premium? I am interested in dental and vision. Also, I am a QMB with a D-SNP Advantage Plan from United Healthcare. I'm reading a lot of bad things about UHC not paying bills and leaving patients stuck with the bills. As a QMB, I'm supposedly protected from this, but I'm not sure.
Yes, all supplement plans have a monthly premium. With QMB that does keep you from being responsible for most payments. Sounds like you need a plan that include the dental and vision. Give us a call so we can better assist you, you can reach us at 1-800-864-8890.
@@MedicareSchool Today, I just had my first visit to an in-network dentist who accepts United Healthcare. I have the UHC D-SNP plan and, being a QMB, I expected that I can't be legally billed. Today I was handed a bill that acknowledged my plan, but said that I owe a payment of $30. Is this legal under QMB rules? It also stated that if UHC doesn't pay the bills, I am responsible for paying them.
@@MedicareSchool Yep. But, am I right in thinking QMBs cannot be billed for services, or is it only Medicare Part A and Part B services? If it is only Part A and B services, then what good is an Advantage Plan that supposedly covers dental?
The cap for excess charges at 15%. So it varies on what the bill is and it's 15% of how much the bill is. But it's very easy to verify if they charge that or not, they legally have to disclose if excess charges apply if you ask!
HCSC, which runs BCBS in Texas and several other states, is buying the business. They know how to run medicare plans. I don't think HCSC is buying it just to shut it all down.
Plan G and Plan N are both popular Medicare Advantage plans that offer comprehensive coverage. The primary difference between the two lies in the out-of-pocket costs. Out-of-Pocket Costs Plan G: This plan covers most out-of-pocket costs, including deductibles, copayments, and coinsurance. Plan N: While Plan N also provides comprehensive coverage, it requires you to pay a deductible for some services, such as doctor's visits and emergency room visits. If you would like to review those plans you can call our office at 1-800-864-8890.
Marvin, i have had Cigna since 2023 and would my plan change if i added hearing, vision and dental? I currently pay for seperate plans thru Colonial Life.
I have Humana PPO plans, looking at your chart for all the copay for various services, none of my copay matched with your chart.. For example, dental copay $40/visit; Eye exams copay $40/visit; you chart indicates $0 per visit for either one of these services.. how old is your chart? In addition, maximum out of pocket payment is $12,500/year, not $3600+$5750=$9350 as your chart shown.. a lot of discrepancies your info vs. actual Humana PPO plan. your feedback is appreciated..
All advantage plans are made different. That's great that your plan is working out, but for others it could look drastically different based on where they live and what those plans look like there.
Just listening to this man lets me know how complicated the government has made Medicare. All this gives me a headache and makes a person want to chuck it all
WARNING! DON’t go with Humana. Customer service HORRIBLE. 1) Almost drove 100 miles for a FL podiatrist when one was available in my town - Their list wasn’t current. 2) Dr was great, But the practice, owned by a non-physician group in TN, were never available. They messed up billing over $.20 cents. 3) HUMANA DID NOTHING but send me form letters that were likely written by a bot. 4) Imagine how you’ll be treated if you run into a serious medical foul-up. Managers polite, but WORTHLESS. FL needs a more robust oversight of medical care - ESP for its Medicare and Supplement oversight
Did you have Medicare Supplement Insurance, or Medicare Advantage? Perhaps that make a huge difference since supposedly all Medicare Supplement Insurance carriers have to pay their part as long as Medicare pays their part. Of course I could be wrong.
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😅😊
Marvin, Thank you for the information you share,I have supplemental Plan G With Humana and I am happy with the plan I have
Good Info.
Thanks
Happy we can help
Cigna is toast
Senior Contributor. The Cigna Group is selling its Medicare health benefits businesses and a medical care provider services operation for $3.3 billion to Health Care Service Corp., Jan 1,2024
HCSC will acquire Cigna's Medicare Advantage, Part D, supplemental benefits and CareAllies businesses, and the parties expect the deal to close in the first quarter of 2025.
Thank you
Thanks for the good review - valuable information. Please consider a similar comparison of Aetna PPO vs United Healthcare PPO. Thank you.
I have Humana for my supplement and they just raised it to $314 a month starting in July that’s outrageous I live in New Jersey
Is that a Plan F?
Is that in addition to the $174.50? I am a Buckeye!
Yes, that is in addition to Part B premium
Can I ask how many years have you had your Humana plan before they decided to raise it to that amount?
I'm looking for a supplement g. And im trying to decide if I should go with a supplement g or and n plan.
And I'm looking at Humana. I really would appreciate your feedback.
@@MedicareSchool That is Criminal... $314 +174/month for "Medicare" coverage?! Medicare is BROKEN!
Gosh here I am 65 still working, not drawing social security yet, not on Medicare yet and have BCBS Insurance with my company which is basically an Advantage Plan in my opinion. Never used it much, but being younger and healthy never really needed it. But if we make it to the so called "Golden" Years many of us will need better insurance in my opinion. These Advantage plans offer all these perks but that doesn't help me if I have a $100,000 bill so it is the Supplement plan for me. Great Video!
Thank You
You didn't mention that you have to purchase a part d plan for in addition to the a and b. Also if Medicare will not pay for a particular medical care the supplement doesn't recognize it and will also not pay, which includes hearing aids, dental and vision
You can buy separate vision and dental coverages.
And none of them are that great.
Thank you, Marvin Musick! I really like these Insurance Company comparisons for Plan B and plan and. They’re very helpful and, as always, I appreciate your great insight and experience.
We are pleased to help!
Good info. Thanks.
I contacted Medicare School to change my supplemental plan and was told my plan is Guaranteed Issue and Medicare School doesn't handle those kind of policy changes. I'm one of the fortunate who lives in a state that acknowledges birthday month where I can change my N supplemental plan (N plan or any lesser plan) to any insurance company with NO medical underwriting. To change to G plan, I would have to undergo medical underwriting so that's out.
I really prefer to go with Medicare School to assist with the supplemental change in August but they were so kind and gave me the new rates and phone numbers to four insurance companies. On 3/1/24, United Healthcare was the only company that would take me for supplemental (medical problem now resolved🎉) for a whopping $420/month. The new birthday rate with Humana is $114.93 per Medicare School. I will probably go with another company to assist with the change for working knowledge support. Thank you Medicare School for being so supportive and great information!
We're so happy to hear this, thank you for sharing! Happy we can help!
Great Video but not East coast relevant. Can you do a comparison between New York and Connecticut United Healthcare and Humana plan G and plan N. I pay $229 soon to be raised to $265 per month plan G on United Healthcare. Thinking about changing to Plan N before my initial 6 month window. Please help us high premium paying seniors❤
Senior Contributor. The Cigna Group is selling its Medicare health benefits businesses and a medical care provider services operation for $3.3 billion to Health Care Service Corp., Jan 1,2024
Yup, Cigna is leaving the advantage business behind.
The deal is supposed to be done in the first quarter of 2025. (Not 2024)
Cigna is selling all it's Medicare Supplements and Advantage they are getting out of Medicare all together. Don't choose Cigna.
HCSC is a independent licensee of BCBS Association.
What is HCSC?
Nice job in presenting the data.
(It would be very helpful if the system would lightly highlight the section you're talking about as you discuss it.
I spent most of the time trying to locate where you were and missed the rapid-fire details.)
My retirement company transferred me from my Cigna Medicare/supplemental plan to a Humana Medical Advantage PPO
plan. Thankfully I only have two doctors outside the plan but it is very tedious and involved to get the required hard data
from the doctors and then MAIL it in!! I'm in New York City and think I will go back to Medicare/supplemental plan.. with
either Cigna or Humana.
All i can say is i am NOT looking forward to getting on Medicare in May of 2025. Don't know what to do even after watching all these video's on youtube for 5 months?
@skydancerforever, traditional Medicare plus supplemental is actually pretty awesome compared to most other medical insurance. When my husband moved from my employer’s excellent group insurance to traditional Medicare plus supplemental, he received much better coverage for half the price. No need to fear Medicare.
@@DataPilot370 Yes i see coverage is good with traditional Medicare with supplements. Problem is COST. I retired early at 62 so another $300 + out of my check is a problem. I may be force to go a the other route which i do not want too. This is my big dilemma and why i am not looking forward to it.
@@skydancerforever All I can say is that, where I live, Medicare Advantage is practically in meltdown while traditional Medicare works very well. I, too, was forced to retire earlier than I wanted to due to family caregiver responsibilities, so I understand where you’re coming from. I hope you’re able to get the coverage you need once you turn 65. Best wishes!
@@DataPilot370 thanks, I think Advantage plans are going to be in meltdown everywhere starting in 2025. Starting to check on all of this in my area. Will see what happens.
@@skydancerforeverWell, I started out with supplemental..too expensive..went to free advantage plan…now I am old and looking for supplement (still in good health). Don’t want to loose my home
Thank you. One was a 4.5 star program and the other was a 3 star program.
Glad we can help!
On the Humana web site all their supplement plans are labeled as Humana Medicare Supplement Plan. Is that still a normal plan G, or is that something different?
The plans should state which plan it is.
No contest here in upstate NY. All the doctors in our area work for Albany Med, who owns the local hospital, and they will no longer accept United Healthcare, Wellcare or Humana.
Im in New Mexico. I got a letter stating my Humana advantage plan is no longer going to be offered.
You will have a few options as far as coverage, we'd be happy to lay out all those options and review them with you! You can give us a call at 1-800-864-8890
I think it’s really sad Humana took away the grocery allowance and the help with glasses and hearing aids. I looked up what the CEOS make and it’s millions! We’re calling around for something better
My sister was on United Healthcare cobra before she retired, then picked United Healthcare as her Medicare supplement. Big mistake, her medical billings are hopelessly screwed up. Had surgery just before going on Medicare so related medical events cross over, a big paperwork mess.
It sounds like her coordination of benefits are out of order. You can call this number and they will be able to ensure that Medicare has the corrects plans in place to bill. (855) 798-2627
I visited my doctor yesterday about an upcoming surgery, and said we were going on Medicare next year (US Postal Service program of paying penalties incurred by not signing up for Medicare at age 65). We are presently on Blue Cross through the Postal Service and will keep them as our supplemental insurance). My surgeon, after hearing this news said,with some panic in her voice, "You're not going on Humana, are you?" When I assured her I was not, she gave a huge sigh of relief.
how much to pay for sypllimental plan N or G? for year?
It depends on where you reside as cost vary based on where you live. You can call our team we'd be happy to review and lay out the cost for you! You can call our office at 800-864-8890.
I currently have a supplemental Humana G plan that I went on in October 2023. At that time, they offered me a household reduction of 3% but later starting and January 2024 they took it away now I’ve been trying to find out why they can’t tell me why they billed me back for the three months they gave me in 23. My husband is also on this Humana G plan and was also supposed to receive this 3% discount.
I would request to speak with a supervisor to address this, as it should still be instated.
HUMANA IS THE BEST.🥰
@@annle7505 why do you think Humana is best? advantage or supplement?
Most older people can't afford a supplemental plan
Speak for yourself. I've budgeted all my life and can certainly afford a supplemental plan, and I'm not alone.
@@BrittMFH I'm glad that you were blessed to be able to do that
I have Humana Gold. Our spendi g allowance card is $150.00 per month. The regular Humana is $125.00 per month. Either way its a big help.
@@rosaliesherrouse7589 is Humana Gold a supplement plan or advantage plan? May I ask what state you live in?
There are many places that are not going to except Humana in the future. Many hospitals and clinics in the Midwest will stop taking it in 2025. In New York and upstate New York Humana will not be excepted in there major hospitals or clinics. I was a patient there and received a notification that they no longer will except Humana as insurance.
@@PatriciaLynn-cv2ck Accept.
All I want to know is if Humana Gold is the best plan.
You can call our office we'd be happy to review plans with you. You can reach us at 1-800-864-8890.
Where we live two of the major hospital/clinic systems won’t accept Humana and Cigna isn’t in our market at all. Of course Cigna doesn’t matter since they’re leaving the Medicare business anyway.
Marvin, I have been working with one of your agents on selecting a Medicare supplement plan. They said Human and Cigna are not as stable as Aetna. In this video your saying that Human and Cigna are stable. Can you please clarify?
The purpose of these videos is to help those who have minimal options. In some places not every carrier is offered so it may be that they only have the option of Humana and Cigna. We do have other carriers that are more stable vs. these. But we make these videos to help everyone weigh out there options appropriately.
Do all supplemental plans have a premium? I am interested in dental and vision. Also, I am a QMB with a D-SNP Advantage Plan from United Healthcare. I'm reading a lot of bad things about UHC not paying bills and leaving patients stuck with the bills. As a QMB, I'm supposedly protected from this, but I'm not sure.
Yes, all supplement plans have a monthly premium. With QMB that does keep you from being responsible for most payments. Sounds like you need a plan that include the dental and vision. Give us a call so we can better assist you, you can reach us at 1-800-864-8890.
@@MedicareSchool Today, I just had my first visit to an in-network dentist who accepts United Healthcare. I have the UHC D-SNP plan and, being a QMB, I expected that I can't be legally billed. Today I was handed a bill that acknowledged my plan, but said that I owe a payment of $30. Is this legal under QMB rules? It also stated that if UHC doesn't pay the bills, I am responsible for paying them.
I would contact QMB to verify with them.
@@MedicareSchool Yep. But, am I right in thinking QMBs cannot be billed for services, or is it only Medicare Part A and Part B services? If it is only Part A and B services, then what good is an Advantage Plan that supposedly covers dental?
What does QMB mean?
Is there a cap on the excess charges after which insurance takes over Or a split with insurance company under Plan N?
The cap for excess charges at 15%. So it varies on what the bill is and it's 15% of how much the bill is. But it's very easy to verify if they charge that or not, they legally have to disclose if excess charges apply if you ask!
Did you know CIGNA has notified employers they are getting rid of their Medicare plans.
HCSC, which runs BCBS in Texas and several other states, is buying the business. They know how to run medicare plans. I don't think HCSC is buying it just to shut it all down.
What's "G / N' plans??
Plan G and Plan N are both popular Medicare Advantage plans that offer comprehensive coverage. The primary difference between the two lies in the out-of-pocket costs.
Out-of-Pocket Costs
Plan G: This plan covers most out-of-pocket costs, including deductibles, copayments, and coinsurance.
Plan N: While Plan N also provides comprehensive coverage, it requires you to pay a deductible for some services, such as doctor's visits and emergency room visits.
If you would like to review those plans you can call our office at 1-800-864-8890.
Cigna has been the absolute worst decision I made!!!
Marvin, i have had Cigna since 2023 and would my plan change if i added hearing, vision and dental? I currently pay for seperate plans thru Colonial Life.
I will never sign up for Advantage coverage.
I would like to know about devoted
You can give us a call we'd be happy to help and discuss those plans. You can call us at 1-800-864-8890.
So confused 😭
I have Humana PPO plans, looking at your chart for all the copay for various services, none of my copay matched with your chart.. For example, dental copay $40/visit; Eye exams copay $40/visit; you chart indicates $0 per visit for either one of these services.. how old is your chart?
In addition, maximum out of pocket payment is $12,500/year, not $3600+$5750=$9350 as your chart shown.. a lot of discrepancies your info vs. actual Humana PPO plan. your feedback is appreciated..
All advantage plans are made different. That's great that your plan is working out, but for others it could look drastically different based on where they live and what those plans look like there.
What do the star ratings reflect? Humana has 4.5 stars and Cigna has 3 stars.
That just reflects on the rating of the customer service with the carrier.
Can I have the Original Medicare plus Humana as supp?
Yes, you will also want to get a drug plan as well! We can help with this as well, you can call our office at 1-800-864-8890.
👍🏻
humana just cancelled this ppo plan...also cancelled the otc benefit this yearlll
I may do n I hear they dint go up as much
Neither!
Just listening to this man lets me know how complicated the government has made Medicare. All this gives me a headache and makes a person want to chuck it all
Staying on Medicare allows you to go to any doctor that accepts Medicare maybe the important one thing he has said ..
Thank Government for Medicare! It is the f**king insurance companies that make whole thing so god damn complicated!
Cigna is $100.00/ 3 month over the counter and does not roll over
WARNING! DON’t go with Humana. Customer service HORRIBLE.
1) Almost drove 100 miles for a FL podiatrist when one was available in my town - Their list wasn’t current.
2) Dr was great, But the practice, owned by a non-physician group in TN, were never available.
They messed up billing over $.20 cents.
3) HUMANA DID NOTHING but send me form letters that were likely written by a bot.
4) Imagine how you’ll be treated if you run into a serious medical foul-up.
Managers polite, but WORTHLESS.
FL needs a more robust oversight of medical care - ESP for its Medicare and Supplement oversight
Did you have Medicare Supplement Insurance, or Medicare Advantage? Perhaps that make a huge difference since supposedly all Medicare Supplement Insurance carriers have to pay their part as long as Medicare pays their part. Of course I could be wrong.
If you can possibly afford the upfront costs it’s a no brainer. Plan G and hang on for dear life 🥹