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Salzypat  (Level: 162.6 - Posts: 5425)
Thu, 14th Aug '08 12:46 PM


I am in the process of signing up for Medicare and will need a supplemental policy. My financial counselor suggested I ask others who they have their supplemental policy with and whether they are happy with the service.

So ... that's what I'm doing. If you have a supplemental policy, would you tell me who it is with and whether or not you get good service and if you would recommend that company.

probably would be best not to post it here but please send it to me at

Thanks for any info you can give me.

Rowlanda  (Level: 70.0 - Posts: 2853)
Thu, 14th Aug '08 11:01 PM

I think it might be helpful to others if people posted
Company names here, because lots of people are
looking for Supplemental Health Insurance these days.

Even in Canada, the Ins.Companies love it if there is
a Co-Payer....spreads the cost/risk to them...

I am with Manufacturer's Financial, and have been for years,
if you have that Company there. Very responsive to my
needs and requests Pat. I think they took over from Liberty
Health who were also very good

Flcyclist  (Level: 132.4 - Posts: 691)
Thu, 14th Aug '08 11:09 PM

I use Universal Health Care and am happy with it.

Embee  (Level: 86.7 - Posts: 362)
Thu, 14th Aug '08 11:20 PM

Insurance is very regional. What might be good in one part of the country might be average in another part. If you lived in Michigan, I could be a bigger help, but here goes. Also, if you're looking for prescription drug coverage, that can dictate which insurance company is going to work best for you. The best plan for you is going to depend on which medications you take and which pharmacies you use. Insurance companies have a list of preferred drugs (called a formulary). You want to make sure your medications are on that formulary.

CMS has a website where you can do a personalized search to see which options are going to work for you. The link is: It allows you to enter the drugs you are taking, etc. It will show you plans that offer both supplemental medical and prescription drug coverage. I'd then ask friends in your area if they've had any experience with the plans in your area. Even if you don't need prescription coverage now, you may want to consider taking it anyway. If you don't, and decide at a later date you want it, it will cost you an extra 1% Per MONTH. If you wait one year, you'll pay 12% more than someone signing up at their initial eligibility. Good luck and PM me if I can help with any questions.

Toledosugar  (Level: 51.4 - Posts: 279)
Thu, 14th Aug '08 11:29 PM

I use Combined and I think they are wonderful. My oldest sister and her husband have had major health problems and Combined has taken care of their needs for years. I figurer if with all their problems, they were happy, I would give them a try and I've had absolutely no problems.

Salzypat  (Level: 162.6 - Posts: 5425)
Fri, 15th Aug '08 1:02 AM

thanks everyone. I'll delve deeper into some of your suggestions over the weekend.

I used to have Combined Insurance ... a small policy that paid whenever I was off work for about any reason, and they paid off great.

I never thought about the fact that Blue Cross Blue Shield might be great in Michigan or Wyoming but not be the same quality in Nebraska.

Good suggestions everyone. Thanks.

Missgeorge  (Level: 63.0 - Posts: 387)
Fri, 15th Aug '08 2:55 PM

Are you a member of AARP? I see commericals with a plan that is endorsed by AARP.

My husband and I are fortunate. He is retired military. When he turns 65 in 3 years, he is covered by a plan called Tricare for life. The way things stand right now, all he will have to sign up for is Medicare part d (whatever the drug plan is), and Tricare for life is supposed to cover everything else.

He and I will keep our fingers crossed that this does not change.

Rowlanda  (Level: 70.0 - Posts: 2853)
Fri, 15th Aug '08 3:19 PM

That reminds women tend to live longer than men
the women need to check that they are covered as well as
their husbands, "FOR LIFE" Many Insurances only cover
women as long as their husbands are alive....
Insurance gets more expensive as you age, and if you have
a pre-existing will probably never be covered
for that- if you can even get Insurance. Those "conditions"
become much more likely as we grow older, and our needs
are greater - for drugs, dental, specialized care and optical
care etc.
And then there's always divorce to consider re.Medical Plans.

Caramel1  (Level: 136.2 - Posts: 21613)
Fri, 15th Aug '08 10:06 PM

Embee's advice is' sound. I have BS/BS of Michigan which gives me something called Medicare Advantage-great scrip coverage as well as doctor, hospital and test coverage when a rather small deductible is met. However, have discover that BC/BS of Florida sucks. Some docs and hospitals won't even take it so she is correct in saying you state (region) is a huge factor. Also although the coverage I have is great it migh be pricey because of their name. Detroit Public Schools foots the bill as long as I keep kicking. AARP has sent me several things -have found them to offer the best via Provident for my auto insuance. Have not looked into their healtcare as what I have is good and paiid for by someone else. Do know at least here it is impossible to get in the door of a most doctors' offices with medicare alone-could be because Fl. is dominated by old folks. Hope that was of some help-Linda

Caramel1  (Level: 136.2 - Posts: 21613)
Fri, 15th Aug '08 10:52 PM

should have said AARP got my car insurancw through The Hartford=Linda

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