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Old 08-07-2017, 12:50 PM   #1
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Med Supp Question Need Help! Med Supp Question Need Help!
I had a prospect call me 2 hours before our appointment. They had both decided to buy plan F from UHC in Florida. But, they spoke with a woman who said that UHC wouldn't cover her elderly mother for some things. She said that its not true that someone with a supplement can go to any provider that accepts Medicare. She said that these doctors have to have a "contract" with the insurance companies. And, maybe this doctor wasn't contracted with UHC? She also said that UHC has been changing their contracts to get out of paying for services that even Medicare has said is necessary. This woman who gave this advice used to "do billing for insurance". And, her husband owns an MRI imaging practice. Does any of this make sense to anyone?! Thanks.
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Old 08-07-2017, 12:57 PM   #2
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
Plan F-Medigap/MedSupp vs Medicare Advantage?

Is "a woman"'s elderly mother in a Medicare Advantage plan?

(And even in a MediGap plan-MediGap will not cover anything Medicare does not cover. It is probably also a true statement that Medicare will not cover the elderly mother for some things.)

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LD is a Life Ins. & Medicare Supplement Consumer learning about Medicare

"...no space of regret can make amends for one life's opportunity misused..."
A Christmas Carol

Last edited by LostDollar; 08-07-2017 at 01:07 PM. Reason: clarifications and additional info
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Old 08-07-2017, 01:06 PM   #3
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ModernInsGuyOH on Med Supp Question Need Help!
 
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
Sounds like they may be referring to a Medicare Advantage or maybe a Medicare Select supplement?
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Old 08-07-2017, 01:16 PM   #4
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
This is common. They are indeed referring to a MAPD.

I have clients all the time say, "my doctor wont take UHC, Aetna, MoO" etc. I let them know it's not their choice. I let them know that their plan is not primary, Medicare is and if the doctor accepts Medicare then they can see them. The doctor bills Medicare. End of story. I let them know that what they are referring to is an Advantage plan, which would be primary to Medicare and then they would have to make sure the Dr. Takes it.

There is no contract with a Med supp and a Dr. If that doesn't work, I tell my client that we can give the office a call together and I will explain it to the lady at the front desk
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Old 08-07-2017, 01:57 PM   #5
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
I wouldn't assume anything. No need to get into an argument about what someone else is filling their head with. Walk away.
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Old 08-07-2017, 02:59 PM   #6
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
Originally Posted by TwoCents View Post
I wouldn't assume anything. No need to get into an argument about what someone else is filling their head with. Walk away.
Really? I educate people all the time and am able to write more business because of it.

Rick
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Old 08-08-2017, 07:53 AM   #7
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ritterim on Med Supp Question Need Help!
 
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
It is true that someone with a supplement can go to any provider that accepts Medicare. The contracts/networks apply to Medicare Advantage products, unless it is a Medicare Select Supplement (Select Plans utilize networks as supplements), which UHC does offer.

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Old 08-08-2017, 10:40 AM   #8
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Todd King on Med Supp Question Need Help!
 
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
Originally Posted by keith365 View Post
I had a prospect call me 2 hours before our appointment. They had both decided to buy plan F from UHC in Florida. But, they spoke with a woman who said that UHC wouldn't cover her elderly mother for some things. She said that its not true that someone with a supplement can go to any provider that accepts Medicare. She said that these doctors have to have a "contract" with the insurance companies. And, maybe this doctor wasn't contracted with UHC? She also said that UHC has been changing their contracts to get out of paying for services that even Medicare has said is necessary. This woman who gave this advice used to "do billing for insurance". And, her husband owns an MRI imaging practice. Does any of this make sense to anyone?! Thanks.
The CSR at UHC obviously doesn't know what the hell she is talking about when it comes to the differences in a Med Supp and a MAPD.
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Old 08-08-2017, 11:19 AM   #9
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traceyemoon on Med Supp Question Need Help!
 
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Med Supp Question Need Help! Re: Med Supp Question Need Help!
Originally Posted by TwoCents View Post
I wouldn't assume anything. No need to get into an argument about what someone else is filling their head with. Walk away.
First, it shouldn't be an argument, but an informational conversation. Explain that there is a difference between a supplement and MAPD and that many people confuse the two. People aging into Medicare are bombarded with so much info, it's no wonder that the lingo can get mixed up by a layperson.

I agree with Rick. Education, then sale, then referrals by satisfied people who know more than they did before because you took the time.

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T.E.Moon

The best time to plant a tree was 20 years ago. The second best time is now. Chinese Proverb
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