Which Are the Best Ohio MAPD's and Med Supp's?
- Thread starter jimkmi
- Start date
- 151
In speaking with our agents, the majority of what they wrote in 2013 was UnitedHealthcare. A number of agents said that they felt forced to move their Anthem business based upon some of the benefit changes that were made between 2012 and 2013.
Again, this differs by geography. We saw much higher sales numbers for UnitedHealthcare in the Columbus/Dayton/Cincinnati markets than we did in NE Ohio. That may be based upon network agreements as opposed to benefits.
One carrier to keep in mind in NE Ohio is Coventry. They just released MA products in that market in 2013, and they also have Cleveland Clinic and University Health in their network. For a first year plan, we saw decent sales numbers from them out of that market.
At the end of the day, though, it all does come down to a county by county look.
Again, this differs by geography. We saw much higher sales numbers for UnitedHealthcare in the Columbus/Dayton/Cincinnati markets than we did in NE Ohio. That may be based upon network agreements as opposed to benefits.
One carrier to keep in mind in NE Ohio is Coventry. They just released MA products in that market in 2013, and they also have Cleveland Clinic and University Health in their network. For a first year plan, we saw decent sales numbers from them out of that market.
At the end of the day, though, it all does come down to a county by county look.
- 119
Aetna is available in many of the major markets. I have used them a lot this past year. Pretty decent benefits, the best network in Central Ohio and I hear very few complaints from my members. It is my plan of choice. Too bad they do not yet offer a SNP. That is if will still have MAs in 2014.
Humana and United along with Anthem are the most popular MA but Aetna got in last year in some pockets and their OOP is much lower which many like.
Med supps; Assured Life or Woodmen of the World, and Anthem are the most competitive. It sucks but Anthem has the best rates and pay the worse, but they are the best versatile company to have when it comes to medsupps, ma, pdp, and health insurance.
Med supps; Assured Life or Woodmen of the World, and Anthem are the most competitive. It sucks but Anthem has the best rates and pay the worse, but they are the best versatile company to have when it comes to medsupps, ma, pdp, and health insurance.
I'm surprised by the use of UHC vs Aetna MAPD. The 3,000 moop on the Aetna Select plan, 0 for PCP visit and 30 for Specialist seems to be much lower than the comparable cost of the UHC Med Complete Plan I or II.
Also comparing network of Providers, I didn't run into one instance of a provider not being in the Aetna network this year. I was frankly surprised by this and consequently used them for most of my MA clients. These were clients in SW Ohio area.
- 151
All I can tell you is that our UHC numbers were off the charts in Ohio this past year. Some of the agents I spoke with, who were moving large blocks of Anthem to United, told me that Prescription Drug formulary was a large part of the reason that they were choosing United.
Aetna may be extremely competitive in Ohio for 2013, but I didn't hear from any of our agents in that state that they were writing it in large numbers. Perhaps they were writing it and just not discussing it with me, but with the numbers they put up during AEP I don't know how they would have had time to write significant volumes of anything else.
To Bill K,
I can understand the agents moving clients from Anthem, in fact it is pretty much ABA - Anything But Anthem, IMO. Anthem diminished their product in addition to poor admin = loss of mkt share. The choice of UHC doesn't make much sense though, although they may be the fastest at comm payment compared to other choices. If benefits were comapred side by side between Aetna Selct and UHC Plan I or II, it would be fairly obvious which plan provides the broader covg with lower oop risk.
There are a few exceptions to the above... SNP's and every once in a while the matrix of Rx usage UHC will look superior, but this is rare based on 100's upon 100's of case comparisons.
I can understand the agents moving clients from Anthem, in fact it is pretty much ABA - Anything But Anthem, IMO. Anthem diminished their product in addition to poor admin = loss of mkt share. The choice of UHC doesn't make much sense though, although they may be the fastest at comm payment compared to other choices. If benefits were comapred side by side between Aetna Selct and UHC Plan I or II, it would be fairly obvious which plan provides the broader covg with lower oop risk.
There are a few exceptions to the above... SNP's and every once in a while the matrix of Rx usage UHC will look superior, but this is rare based on 100's upon 100's of case comparisons.
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