ATT Cancels Retiree Health Plan

[beachbum2012]

Are they offering AARP plans? It's in my list at the bottom; not in the same manner the other medigap plans are, but more like an ad at the bottom with a 1-800 number.

 

[kgmom219]

here's a link that shows the plans being offered by AON it lists the pdp's, med supps and MAPD plans. You don't need a user name or password, just enter your zip

https://www.aonhewittnavigators.com/home.aspx

they're not showing Cigna at all which has been a pretty popular plan for 2015 from what I can tell with $0 rx deductible and $1 or $4 copays on generics at preferred pharmacies

some of the premiums seem off on the Med supps, they are higher in some cases. Don't take my word, look at your own zip codes and rates and compare to the site. Some are correct but others are higher

Thanks so much.....................

 

[ChicagoProducer]

It's bad.I met with a lady who had lost retiree benefits and was pawned off to the AON exhange to be her Medicare health plan advisers. Even though her doctors where not contracted they recommended Humana PPO as the best value.She was so confused on exactly what type of insurance she had.This was on Feb 13 this year so I explained she could use the annual dis-enrollment period to get a med supp and pdp .We also did 3 way with her benefits admin. and confirmed she could take med supp with me, the pdp with AON and still keep her stipend.

When the time came to make the phone call to AON and request a PDP enrollment using the annual disenrollment SEP it a complete PITA.First they wanted to transfer her to the enrollment/retention specialist for a consultation about her best options so after about 25 minutes on the phone with her son on the other line with me starting to get very irate at the knucklehead AON " advisers " and they finally transferred us to someone who supposedly was going take the PDP application but the first and second ding dong we spoke with were adamant she was locked in and couldn't change.Her son on the phone with me now at this point 35 minutes in to the phone call was now going ballistic and demanded to talk with a supervisor to get his mother enrolled in a PDP using the Annual disenrollment Period SEP. Finally after more than 45 minutes on the phone we talked to someone who understood what we were requesting and acknowledged that it was allowable according to CMS rules.By the time the application was finished it was well over an hour.


Do you think if this lady didn't have the help of an experienced agent like me to explain what her rights were as medicare beneficiary that the AON "advisers" would have helped get off the MA plan she was extremely unhappy with by the 2/14 deadline ?

___________________________________________________________

Correct me if I'm wrong, but a Medicare beneficiary ALWAYS has the right to disenroll directly from Medicare during Disenrollment. I think it hinges on if they are not getting satisfaction from their carrier or broker. Likewise, Humana would have disenrolled her as well, with one phone call. Not sure AON had the power to deny the beneficiary from disenrolling.

 

[yogooglethis]

___________________________________________________________

Correct me if I'm wrong, but a Medicare beneficiary ALWAYS has the right to disenroll directly from Medicare during Disenrollment. I think it hinges on if they are not getting satisfaction from their carrier or broker. Likewise, Humana would have disenrolled her as well, with one phone call. Not sure AON had the power to deny the beneficiary from disenrolling.

Correct if beneficiary isn't caught up in these retiree exchange quagmires but in order for her to keep her stipend she had to purchase at least one plan through the exchange.Of course you do know a dis enrollment is never the correct way to proceed if beneficiary intends on keeping a pdp plan because they are automatically dis enrolled from the mapd by medicare when they enroll in PDP.


These agents at these exchanges don't know some of the very basics......

man came to my seminar yesterday to learn because the exchange " advisor" recommended he go to learn about the carriers products he was interested in.The exchanges advisers send retirees to local seminars all the time.


Turns out guy has Tricare .Exchange adviser told him to learn about the products at seminar then he will help him decide what is the best plan,.Exchange agent didn't even know that Tricare includes rx and was going to sell him part D


a Alcoa retiree was told by Aon Exchange that to get the 650.00 stipend she only needed to buy 1 product.I wrote the med supp and recommended the pdp she should enroll in through exchange.when she calls back to enroll in pdp the " advisor" refused to process the pdp application because she said she couldn't do it because she didn't also buy the med supp with her.I will be doing a three call with her next week

 

[somarco]

Exchange agent didn't even know that Tricare includes rx and was going to sell him part D

The exchange agent could have been a navigator. Probably the same pre-employment test.

I really feel sorry for retirees that are going through this. Their former employer is just dumping them into a shark pool.

 

[yogooglethis]

The exchange agent could have been a navigator. Probably the same pre-employment test.

I really feel sorry for retirees that are going through this. Their former employer is just dumping them into a shark pool.

What is the difference between the " adviser" as the agents are called at these exchanges vs a navigator?


I should clarify about this ATT retiree with Tricare that the " adviser " was pushing the MAPD which would have really screwed his stuff up.

And regarding the Alcoa retiree I wonder how the Fl DOI and CMS would feel about an agent refusing to take a PDP application in OEP unless the consumer also buys the med supp from her.

 

[somarco]

I wonder how the Fl DOI and CMS would feel about an agent refusing to take a PDP application in OEP unless the consumer also buys the med supp from her.

Interesting you should mention that.

I received an email earlier from someone that is very familiar with this case (AT&T) as well as similar cases with Alcoa, Fannie Mae, IBM, Savannah River Project, etc.

This person voice some of the same concerns several of us have had with regard to making HRA dollars conditional on a specific purchase from a "closed" vendor.

I have asked permission to share their thoughts on a public forum (sanitized of course) and am awaiting a reply.

 

[serendipity]

I notice that United of Omaha uses a unisex rate for medicare supplement plans when an employer discontinues offering health insurance coverage to retirees. Anyone familiar with how this overides the standard United of Omaha rate table? At least in NJ it's indicated on their State Health site.

 

[Lkcoss]

I am a retired ATT employee. Currently my husband and I are covered under my plan and we plan on continuing that. We are both on Medicare .
The volumes of information I have received is Greek to me and I am nervous about choosing the wrong plan and not receiving the best value.
How do I locate an independent agent specializing in this situation ?

 

[Daytona_Guy]

I am a retired ATT employee. Currently my husband and I are covered under my plan and we plan on continuing that. We are both on Medicare .
The volumes of information I have received is Greek to me and I am nervous about choosing the wrong plan and not receiving the best value.
How do I locate an independent agent specializing in this situation ?

There are lots of us on here - the perfect place.

Here is some research I've done on this which has allowed me to now help at least 100 so far in this situation.




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