Got a call today from the wife of a (soon to be) former client. Husband has battled esophogeal cancer for probably 3 years. Several trips to Mayo in JAX (they live across the line in Georgia).
Plan F Medigap.
All of his bills and xs charges have been paid,
Last year the folks at Mayo told her to change his plan to a G to save money.
Had to explain to her that was not possible given his health.
Today she called and said she wanted to cancel his plan. He has been in hospice for a year and is still here. The $200/mo is a drag on their budget.
I have no idea how much the carrier has spent on him but it is probably a lot more than $2400 per year. He had over 200 claims so far in 2017, not including Rx.
She told me they got a "free" supplement plan from Medicare.
She enrolled him in Humana HMO.
How will Humana "treat" his hospice claims? I assume copay's, coinsurance plus probably a bunch of denials for using a non-par provider.
Mayo does not typically accept HMO plans.
At this point even if there is a way to save the case I am not going to push it. Just looking for some insight from folks that sell Advantage plans.
Sometimes you just want to SCREAM!
Plan F Medigap.
All of his bills and xs charges have been paid,
Last year the folks at Mayo told her to change his plan to a G to save money.
Had to explain to her that was not possible given his health.
Today she called and said she wanted to cancel his plan. He has been in hospice for a year and is still here. The $200/mo is a drag on their budget.
I have no idea how much the carrier has spent on him but it is probably a lot more than $2400 per year. He had over 200 claims so far in 2017, not including Rx.
She told me they got a "free" supplement plan from Medicare.
She enrolled him in Humana HMO.
How will Humana "treat" his hospice claims? I assume copay's, coinsurance plus probably a bunch of denials for using a non-par provider.
Mayo does not typically accept HMO plans.
At this point even if there is a way to save the case I am not going to push it. Just looking for some insight from folks that sell Advantage plans.
Sometimes you just want to SCREAM!