tag:blogger.com,1999:blog-8123419132697929931.post6701853224506327670..comments2023-11-01T06:58:44.005-07:00Comments on ibm medicare options: Can I buy a medigap plan if I had IBM as secondary? YesPlatohttp://www.blogger.com/profile/14060433813948859747noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-8123419132697929931.post-27023809882310993652011-12-01T07:21:34.531-08:002011-12-01T07:21:34.531-08:00Not sure what you mean,re facilities. A Medigap p...Not sure what you mean,re facilities. A Medigap policy is private insurance acting as a secondary plan to original medicare. It covers what Medicare covers as a secondary payer. IBM secondary plan offerings are not government defined medigap plans (whether Aetna or United Healthcare). In a few areas they are better than medigaps, mostly they pay on par, some areas not as good. IBM Medical compares most closely to medigap "K" plans, Aetna Integration A compares most closely to medigap "C" plans. You have to do a detailed comparison to get a complete picture.Platohttps://www.blogger.com/profile/14060433813948859747noreply@blogger.comtag:blogger.com,1999:blog-8123419132697929931.post-33774784155151055732011-11-30T05:50:16.077-08:002011-11-30T05:50:16.077-08:00Though Medigap is private but have better faciliti...Though <a href="http://www.americanseniors.com/" rel="nofollow">Medigap</a> is private but have better facilities.jackhttps://www.blogger.com/profile/08128805205481956778noreply@blogger.comtag:blogger.com,1999:blog-8123419132697929931.post-8711267131916313352010-11-14T07:10:49.781-08:002010-11-14T07:10:49.781-08:00What I said about the guaranteed plan issue is not...What I said about the guaranteed plan issue is not exactly right because it depends on the state you live in how they define "guaranteed right". In most states it only applies if the plan you had been using was terminated or aspects of the plan radically changed. However, in states like New York there is continuous enrollment for medigap plans so you can always enroll in a medigap plan. They can deny you coverage for the first six months for preexisting conditions but if you had the IBM supplemental plan most insurance companies count that as "continuous coverage". In looking at the government defined medigap plans and IBM's plan - IBM's plan is pretty good. Your upside exposure is probably about $1400/year more out of pocket if you stick with the IBM plan and then get sick along the way versus forking out about $3000/year in premiums for a good medigap and getting refunds on copays and deductibles which prob be around $400/year (so your net oop is about $2500/year.) Save that money every year you are not sick and you might break even. Hope that helps.Platohttps://www.blogger.com/profile/14060433813948859747noreply@blogger.comtag:blogger.com,1999:blog-8123419132697929931.post-24138473244471219372010-07-17T16:38:53.853-07:002010-07-17T16:38:53.853-07:00Hi,
Could you provide me with links to the sourc...Hi, <br /><br />Could you provide me with links to the sources that you used to come to the conclusion that the IBM plan is a guaranteed right plan. <br /><br />I have a preexisting condition that is not a problem now but could be in the future. I want to verify that I don't have to enroll in a medigap plan now during my open enrollment period. <br /><br />This and your other post have be very helpful.<br /><br />Thank,<br />MitchAnonymoushttps://www.blogger.com/profile/05191376902735511197noreply@blogger.com