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DiscussionAnyone had success fighting an insurance denial for back surgery?
Spine Health | Last Active: Sep 4 12:13pm | Replies (55)Comment receiving replies
Replies to "Thank you for the advice. I'll definitely do my homework before I change. What is surprising..."
As Medicare season approaches, there will be a lot of places that offer to "compare plans" but they almost always are promoting one company or another.
Here are 2 places I look to for advice, and add it to everything else I read:
https://www.nerdwallet.com/p/best/insurance/medicare/best-medigap-insurance-companies
https://www.forbes.com/health/medicare/best-medicare-supplement-providers/
I can tell you that I live winters in a community of seniors in all economic levels and from across the country - the consensus, especially for those of us who want choices in care - are Blue Cross Blue Shield supplemental plans. NOT Advantage Plans, but those called Supplemental or Medigap.
Here is what we like - the higher cost plans often cover or reduce copays, which lowers the true cost of insurance. Most doctors and hospitals accept them. We can get coverage at home or when traveling. Most plans take over the paperwork for you like the Advantage plans do - they submit the bill to Medicare, then cover their part and bill for the balance. Various levels or prescription coverage are available. You can deal with an independent insurance agent, who is working for you, not a company.
Here is what we don't like - the Pharmacy Benefits are still like the rest of Medicare, and are handled by a Pharmacy Benefit Manager which is a pain.
Ask you family and friends who they use, whether they are satisfied, and if they can recommend a helpful agent.