hi all. my name is mike and i will retire in july. i am 66 years old and about to go on medicare for the first time. I recently met with two different agents to talk about medicare. one with bankers life and one with united health. and they are telling me two different things, and I dont know who is telling me the truth.
Bankers life is telling Medicare advantage is bad. and I cannot have a separate Pt D plan with it (i can only do it, if the drug plan is built into it). and I should go with them and pay a premium i cannot afford for a medicare supplement.
The united health guy is telling me I can have a pt d plan if the advantage plan does not have a drug plan built into it. This would be good for me, because the advantage plan has no monthly premium. He says I should do it like this because the PPO that he offers that does have the drug plan built in, wouldn't cover some of my drugs, and it would be really expensive, but he was able to find a separate pt d plan that would keep my drug costs down.
they are telling me two contradicting things, one is obviously lying. who is telling me the truth?
Bankers life is telling Medicare advantage is bad. and I cannot have a separate Pt D plan with it (i can only do it, if the drug plan is built into it). and I should go with them and pay a premium i cannot afford for a medicare supplement.
The united health guy is telling me I can have a pt d plan if the advantage plan does not have a drug plan built into it. This would be good for me, because the advantage plan has no monthly premium. He says I should do it like this because the PPO that he offers that does have the drug plan built in, wouldn't cover some of my drugs, and it would be really expensive, but he was able to find a separate pt d plan that would keep my drug costs down.
they are telling me two contradicting things, one is obviously lying. who is telling me the truth?