Two years ago I moved to an area where MA plans were not available according to the first insurance agent I met. With only medigap policies to chose from I selected Plan N at a cost of about $85/month. At the end of the first year the premium increased to $110. In the second year my insurance agent called me and told me there would be a large increase coming up and he wanted to transfer me to another insurance company.
Shortly thereafter I got the letter informing me of a $45 increase immediately and the usual end of year increase scheduled.
I called around and found that BCBS had a MA plan in my area available all the time. As I had AARP Advantage before moving to this area I would have been happy with the BCBS Sapphire plan. However, the insurance agent told me it was not available.
After I confronted the insurance agent he denied the facts and I ended up with my medigap policy being cancelled. Needless to say I am not happy with independent medical insurance representatives. I trusted this guy to tell me the truth and rely on his expertise. Instead I was lied to and steered to a medigap policy I did not need. I suggest that if you use one of these people that you verify the information they are providing to make sure you are buying what you need and not what they would like to sell you.
Shortly thereafter I got the letter informing me of a $45 increase immediately and the usual end of year increase scheduled.
I called around and found that BCBS had a MA plan in my area available all the time. As I had AARP Advantage before moving to this area I would have been happy with the BCBS Sapphire plan. However, the insurance agent told me it was not available.
After I confronted the insurance agent he denied the facts and I ended up with my medigap policy being cancelled. Needless to say I am not happy with independent medical insurance representatives. I trusted this guy to tell me the truth and rely on his expertise. Instead I was lied to and steered to a medigap policy I did not need. I suggest that if you use one of these people that you verify the information they are providing to make sure you are buying what you need and not what they would like to sell you.
