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C.R.'s Honeybuns

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1498
sandy phelps
08-28-2015
02:30 AM ET (US)
WOW...This is CRAZY.....I called HealthFirst, was put on hold, talked to a very nice lady, asked for the info.... and it arrived today.... hmmmm...I haven't opened it yet sooooo it might just be a general brochure.... guess we go to plan B, I've got to admit I'm computer illiterate, don't know how to scan, post, do either of you have a fax, I'll fax it in, then if one of you is knowledgeable, please scan and post for the group. Hope this is helpful.... just let me know.
PS, This just might be a brochure, so don't hold your breath, I'm not at home so may be a few days.
Also, has anyone called AA HUMAN RESOURCES, 800 447 2000 or APFA, 817 540 0108 #8490 (?) Patrick Hancock was last retirement rep I talked with a few years ago. Please post anything you find out.
1497
Kathy Coffman
08-27-2015
05:09 PM ET (US)
Hi Pat, So you are experiencing the same catch 22 as I am. I called the Healthfirst number yesterday. I went to Customer Service. From there I got a really nice gal who told me she was not allowed to send me any written info. Then she said, let me ask my Supervisor. She came back and said, no, I can't send you any thing, but you can find it on JetNet. I told her I could not. She then said she would try to answer any questions I have. So, after discussing some things, it sounds like we have the same coverage that we have right now with United Health Care. Here is my big concern. We as a group only pay 180 dollars each a year. If you shopped around for a Medigap plan, it costs a little less than that EACH month. So, we are getting a real good deal. Once AA declared bankruptcy, they did away with this plan going forward. Here is my concern, at the bottom of the page where I paid my 180, it says they can discontinue the plan at any time without any notice. My husband isn't entitled to this plans since I was single when it was offered. As we continue to talk to the Insurance guy who does seminars in Saddlebrooke, we are seriously thinking of leaving all of the AA plans and getting our own. Insurance is called that for a reason. So, you roll the dice and hope you don't need it or that it isn't dropped. I am not feeling comfortable with the plan I know nothing about and that I can't find it in writing. Also, when you call that number for Health First....the automatic message tells you your claim might not be covered. Bottom line, I can't find a packet nor can I find it on Jetnet under benefits.......
1496
Pat Herman
08-27-2015
04:34 PM ET (US)
I just called 903-581-2600 to request the Healthfirst info packet. They said there is no such thing and to go to jetnet to get the info, which they said is about 10 pages. I could find nothing. Also I believe Sandy said that your case # is your employee #. My case # is not my employee #. Please let me know who to call to have the Healthfirst info packet sent to me. Thx.
1495
Kathy Coffman
08-25-2015
06:42 PM ET (US)
Maria...how are you??? It has been a long time. Both of us have been on Medicare for several years and have been using United Health Care Medicare Supplemental thru AA. I know that we get a window to change and if exhausted the 50.000 life time with United Health Care, you still get a window of time to sign up with an Insurance Co. WE have an Insurance Agent who does Seminars in Saddlebrooke, a retirement community much like the Views in Fla. We are making a decision on staying with the free 50,000 or going with another Insurance Medicare Gap company that insures you for your life time, no cap. In our conversations with Gary, it was mentioned that if you have a pre-existing condition once you exhaust your UHC Supplemental, you will still get coverage with an insurance co, but at a much higher cost to you. I have both right now, the UHC and Health First. I am suspicious of HF because we pay 180 for the year. If you leave the coverage by AA, you will pay 150 and up a month for coverage with another insurance co. That is quite a difference compared to HF. That makes me wonder what kind of coverage we will receive once getting to a cross road from UHC to HF. I haven't found anything written yet on what you get for you 180 a year with HF........
1494
Kate
08-25-2015
12:16 PM ET (US)
Thanks Maria!
Kate Pantorilla



> On Aug 25, 2015, at 11:04 AM, QT - Maria Chalk <qtopic-26-Mfeu8NGwMNm@quicktopic.com> wrote:
>
< replied-to message removed by QT >
1493
Maria Chalk
08-25-2015
12:04 PM ET (US)
Hi Cathy,
There is a website
www.medicaresimplified.org
It is privately operated by a fellow who does free lectures in my area to assist w Medicare sign ups. He used to work at Medicare but now does private individualized consultations if you want one. There are "windows of opportunity" for sign up without penalty for different parts of Medicare. Be careful to keep your husband "In" the window so he is not excluded for pre-existing conditions. Hope this helps,
Maria

Sent from my iPhone

> On Aug 24, 2015, at 11:53 PM, QuickTopic daily digest <qtopic-26-Mfeu8NGwMNm@quicktopic.com> wrote:
>
< replied-to message removed by QT >
1492
sandy phelps
08-24-2015
08:23 PM ET (US)
Cathy, please post your opinion of Healthfirst after you review the packet. Thanks, Sandy
1491
Kathy Coffman
08-24-2015
07:39 PM ET (US)
Thank you
1490
sandy phelps
08-24-2015
06:03 PM ET (US)
BTW google HealthFirst, it's one word.
1489
sandy phelps
08-24-2015
05:58 PM ET (US)
You might give Medicare a call too.... you'd be surprised the info they can provide. Good luck!!
1488
Kathy Coffman
08-24-2015
05:50 PM ET (US)
Hi Sandy, Thanks for that info. Thankfully, I am healthy and hope to remain that way. I did not even consider Google so thank you for that info. Yes, I couldn't find any info on Health First under Benefits at Jet Net. So, I will follow your lead and ask for a packet. The reason I posted was due to my husband not having any Medicare Gap Supplemental Coverage once United Heath Care is exhausted. WE were thinking of getting a whole new policy for him. But we are trying to see what Health First will cover for me if and when I have exhausted UHC and then go on to Health First. Certainly is hard to find out what they cover.
1487
sandy phelps
08-24-2015
04:45 PM ET (US)
PS Let me know if this helps... otherwise I'll do more investigation.
1486
sandy phelps
08-24-2015
04:39 PM ET (US)
OK... I just googled HealthFirst, couldn't find reviews which is a good thing as people seem to only post negative.
I called number posted on website 903 581 2600, told them nothing was posted in Jetnet. They are now sending info packet, also did you look on website? It's www.hfbenefits.com I didn't investigate, but know it is a legitimate website.
Also HealthFirst will ask for a case number, it is your employee number insured under United Health
1485
sandy phelps
08-24-2015
04:17 PM ET (US)
I don't know a thing about Health First, however I did google Golden Wings, very BAD reviews, they never pay, if you have it drop the coverage. I'll do a little more research on Health First then filter on to you.
If you are facing a serious illness and are on Medicare, when November rolls around CALL Medicare, they have a MEDICARE COMPLETE program in which SUPPLIMENTAL IS INCLUDED. Costs same as Medicare monthly payments. The only catch, it ONLY INCLUDES radius of local doctors, if you're still able to travel it will cover emergency/related expenses only.
Also, check your long term care policy (if you have one) some illnesses are covered.
Cancer related illnesses are best treated in GDL, you can register for IMSS which gets you into Mexician health care system for $150/year (basic). GDL is 80% (?) American and has a very good treatment center.
I'll post Health First research later.
1484
Pat Herman
08-24-2015
03:48 PM ET (US)
Kathy,Don't know the answer to your question, but I'll try to find out. In the meantime, if you get an answer, plz let me know. Thx.Pat Herman

     On Sunday, August 23, 2015 2:50 PM, QT - Kathy Coffman <qtopic-26-Mfeu8NGwMNm@quicktopic.com> wrote:

< replied-to message removed by QT >
1483
Kathy Coffman
08-23-2015
03:50 PM ET (US)
Does anyone have any information on what kind of Medicare Gap Supplemental coverage we have with Health First once UHC is used up? I have called Beatrice, who is on the form. No help. She told me it was on Jet Net. All I can find right now is that I am covered under UHC. I am assuming if I exhausted the 50,000 life time, that Health First would kick in after that. I am starting to wonder if that is such a good deal because 1), I can't find out what it will cover 2) if you look at other plans offered by Blue Cross or Physicians Mutual and others, a person pays 150 to 200 a month for Medigap Coverage. I think you get what you pay for......and I don't think 180 or even if it goes up to 200 a year will be good coverage. Having talked to a knowledgeable insurance agent he told me that even your supplemental plans cost more if you get them once you have a pre-existing condition. My husband and I are trying to research all of this to know if we should switch plans and drop Health First. Thanks for any input.......Kathy Coffman
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