Considering you've now set yourself up as something of an medical insurance expert, I am confident you can appreciate that before I purchased the Regence BCBS Medicare Advantage RX Enhanced plan, I did a lot of research and used an agent who works specifically with people on Medicare to find the best plan for our needs or more particularly, my wife's medical needs which are extensive and costly due to her unfortunately having exceptionally poor health. In 2009, when I retired and had to give up my employer paid medical insurance in lieu of Medicare, this was the best plan for my wife and me. The premiums were very affordable and the benefits were excellent. Each year during open enrollment, I reevaluate my medical coverage to insure we have the best plans for us.
Aside from ever increasing premiums and decreasing benefits, the Regence Medicare Advantage RX Enhanced plan has served us very well. Since you are licensed with Regence you should already know these plans are PPO's and not HMO's as are the ones in the videos you've posted. The plan does not require a referral to see a specialist. No medical care has ever been denied either my wife of me.
I find it very interesting that you are in the medical insurance industry and yet you didn't know that pediatrics and maternity are covered under Medicare for people who qualify due to being on SSD.
As for horror stories about insurance coverage, one can always find them regardless of who the insurer is and what the plan design is. Some people have issues with HMO's and perhaps a little less so with PPO's.
I see you finally realized that you do not have a Medicare Supplement Insurance Plan, as for the previous 4 post from you, you referred to your insurance as a Medicare Supplement, which is not the case.
And whether you have a Medicare Advantage PPO or a HMO they both can deny coverage for an item or service, and its just a little ironic that just a few days ago you referred to Insurance Companies as "Insurance companies are greedy for profit organizations" yet when it came to your own Healthcare, what did you do? You replaced your Government run traditional Medicare A and B with Insurance offered by an Insurance Company, or as you call them "greedy for profit organizations", and put them instead of medicare in charge of your Coverage and Claims approval. Oh the irony:-0
Although to my family and friends I would have recommended keeping control of traditional medicare A and B and then purchasing a Medicare Supplement and a stand alone part D drug plan, I do commend you on the way you went about it, in that you:
1.) You did extensive research.
2. Went to someone else who you consider an expert for advice.
Then you:
1.) Found a Plan that you liked.
2.) Found a Plan you could afford
3.) found a Plan that allowed you to continue to see your Doctors including specialist.
and my brother, my neighbor and a large percentage of the millions of people who just recently got cancellation letters by their Insurance for abiding to the laws the democrats passed did just like you by:
1.) doing extensive research.
2. went to someone else who they considered an expert for advice.
Then they:
1.) Found a Plan that they liked.
2.) Found a Plan they could afford
3.) found a Plan that allowed them to see thier Doctors including specialist.
Yet they have now been sent cancellation letters, and told they must buy something else, something many cant afford, and where many can no longer go to their current Doctors, and most not because their coverage is "substandard" (democrat talking points that you used) as most did just like you described, and have what they want, need, and can afford, but are being canceled because one does not pay maternity, or pay pediatric dental services, or maybe they changed the deducible recently (as any changes to a current plan also can get your plan canceled) as I know another person who just this last summer changed Plans by temporally raising the deductible to save money for a few years, and that along with cutting out other things non insurance related so he could help put his oldest daughter through college, yet now because of that change his insurance is being canceled, and the replacement is more than double, yet that doesn't seem to bother some democrats, or even Obama for that matter, as what did he do? he knowingly lied on numerous occasions saying "If you like your insurance you can keep it PERIOD!. and if you like your Doctor you can keep them PERIOD! when the facts now show they knew from the beginning that was not the truth, and if many democrats would have read the Bill instead of believing Obama's lies,then the Bill most likely would have never passed as evidence of the many who voted with the republicans last week in trying to undo the cancellations.
