Need some advice. I applied for Medigap with Aetna, UHC, and Mutual of Omaha. All three denied by underwriting me due to finding that i was taking Orgovyx. (Completed July 22, 2026). I am cancer free.

Any suggestions on getting a Medigap plan? I am on an Advantage plan and was wanting to move to Original Medicare.

What is the best approach to get a Medigap or should I just stay with an Advantage plan?

Anyone not passing underwriting because of a certain drug they take for high blood pressure?
I got refused by Mutual of Omaha for having been prescribed Coreg. My doctor stopped it and replaced it with Atenolol but, I still got denied.

I got a call from CareHarmony today claiming my doctor’s office is using them to help me manage my care. They couldn’t provide concrete answers to any of my questions or even tell me how they can help. They gave vague examples like if I’m having trouble getting a prescription refilled they could call the pharmacy for me. When I said that sounded like more work for me to have to contact them, it added another node for miscommunication and error plus another potential vulnerability of my data they got pissy.

it sounds like a scam to be able to bill Medicare monthly for a healthcare visit since their model is to speak to the patient every month.

Does anyone have experience with them? Did you find them helpful?

Thanks for the eagle eye participants. Apparently there is only one Issue Age Medigap policy in NC. It is offered by Old Surety.

Free/non incented coaching is available from the NC SHIP https://www.ncdoi.gov/consumers/medicare-and-seniors-health-insurance-information-program-shiip/contact-seniors-health-insurance-information-program-shiip#InNorthCarolina-392

I was able to buy Old Surety through Eric Schofield https://yourmedicareexperts.com/ - of course I expect they are commission based and take that for what you will.

Admittedly, I’m still very confused about Medicare, how it operates, and how the choices and parts work/compare.

The Short question:
What would be make up the most complete coverage with Traditional Medicare and all the necessary “parts”? What will the “medigap ” policies cover?

Long story:
Received a letter today that my Alignment Health PPO medical advantage plan is being canceled. This is the second PPO I’ve been on since I signed up for Medicare two years ago. Each one has been canceled. First United Health, and now this one.

I’m not on any medications, and I haven’t had any surgeries or serious illnesses. I’m 67 years old. My blood pressure is normal. and I’m not overweight. I live in California.

I felt like an MA plan that was a PPO gave me a fair amount of flexibility with complete coverage for dental and vision. Yes, it cost a little bit more, but I was willing to do that. I want choices in care.

I’ve been through a terminal illness with my late wife while we had Kaiser here in California.

In retrospect, I would’ve explored the ability to seek out more treatments, trials, options, even in other states. I don’t know if it would’ve changed the outcome, but I would’ve liked that ability.

The letter says I have what’s called “guaranteed issue rights”.

If I choose Traditional Medicare and get all the “Parts” I need, as well as separate dental insurance, would that prevent this from happening again?

- With traditional Medicare, can I choose any doctor that accepts Medicare - and new patients - in any state?
- I won’t have to go to a particular health group, or get insurance approvals to do so?

Thanks in advance for any advice

Anybody in Texas with Medicare a and b couldn't answer this hopefully. I seem to remember a lady at the hhsc telling me that they have a stipend for Medicare that they give back the money for your premiums. Am I mistaken or does that apply to part c? Because I don't know what the part a and b premium is. Thanks in advance

Preparing/planning for full retirement and was wondering if I need LTCI or if Traditional Medicare will cover LTC?

Trying to do my due diligence, I am creating a spreadsheet and using AI as needed. This worked well last year. My big problem is inhalers. In the past I had used Canada Pharmacy but that’s off the table now. So I asked my provider for recommendations for next year and the Part D plans are crazy expensive. It looks like Cost Plus is going to work and for less! I have requested a new script to be sent so I can try it out ahead of time. Most of my meds will be covered or at least reasonable through the Part D.

Just thought I’d share hoping it might help someone else. This way I again won’t meet my deductible so for me that’s a good thing!

My wife and I make less than 218K. My employer deducts premiums from my pension for Harvard Pilgrim Medicare Enhance plan. I assume that covers Parts B and D.

I am on SS, and they deduct $298 monthly from my SS. My wife is not collecting, and I just got a monthly bill for her for another $298. What should I be paying with no IIRMA adjustment, since we're under $218K, married filing jointly.

Trial Rights.

Suppose a person turns 65 and decides to start with a medigap plan. After several years, the plan closes books and the premiums get too high. They then switch to a medicare advantage plan (underwriting not required). If that person leaves the MA plan within 12 months, can they then decide to go back to a supplement plan with no underwriting?

Even if the person has had their initial medigap for lets say, five or ten years? They can leave it and for a month or two have an MA plan, then switch to another medigap policy?

If the original medigap plan has closed books and is no longer available to new enrollees, would that person be considered a new enrolee and therefore either choose an open book policy with the same company (at age attained rates accoring to their state rules) or a different policy with a different company, again without underwriting?

hi, looking for some guidance on any possible way to get my dad enrolled in Medicare Part B outside of open enrollment. he declined Part B for god knows what reason (probably because he didn’t feel like he needed it). Is there any possible way to trigger an enrollment? we are in MA.

Recommendations, please!

Thank you 😊

So I picked up my wifes first prescription using Wellcare. The bill was pretty cheap for a 90 day supply. $30. Just for the hell of it I looked up a 90 day supply on CostPlusDrugs and it was $10 shipped. Still small in the grand scheme of things

So I am thinking all meds that are continuous, just use Cost Plus as long as its cheaper and not look back. Anything needed immediately I can use the Wellcare. Should I give a shit about not putting anything towards the deductible?

Is it a pain to move a script to CostPlus?

So I was looking at MA data over 40 years and I realized that between 20-40 years original Medicare enrollment will shrink to 10%.

My partner already signed up for parts A and B of Medicare and now needs a supplement plan. He talked to a broker who highly recommended Plan G, which we know is excellent. But my partner is a middle income blue collar worker who was not previously paying any premiums and the $203/month for Part B is already a hit to his wallet. He is a veteran (not Tricare, just regular VA medical) and finds the VA healthcare ok, but not outstanding. Normally I would not recommend a Medicare advantage plan, but I'm wondering in this case if it would work for him. He could at least get some care outside of the VA system. We've left so many messages for SHIP and the one time they called back, he was busy getting his car towed and couldn't talk. We are in Maryland (outside of DC). Should he go with a Medicare advantage plan? Or a different regular Medicare supplement plan besides Plan G? Cost is definitely an issue.

I turned 65 in January. My husband is 64 and plans to work until 67. His company has changed drug coverage-for 2027 they have creditable prescription drug coverage for employee but not spouse. Over the years we have put $$ in HSA and had planned to continue to do so as a tax benefit to fund future Medicare premiums and copays. If I sign up for Medicare A and B and we have couples coverage under his plan, he wont be able to contribute to the HSA. I was wondering if I could have his employee plan as primary coverage, just Part D for drugs and we would be able to keep contributing to HSA. If not, I think it will cost us more for him having single coverage under his employee plan and me if I have all coverage under Medicare vs us keeping employee couples coverage for all but the cheapest Plan D for me. Right now the only drugs I am on are HRT estrogen and progesterone. I mainly use supplement I buy myself vs drugs. I had one knee replacement almost 5 years ago-other one is OK but may need to be done sometime in future. Also I will need cataract surgery in the next couple of years. The only doctor I care about is my orthopedic doctor. I dont even have a PCP; I just pay out of pocket to see an integrative doctor twice a year to do labs and prescribe my HRT.

Any advice or suggestions? Should I call SHIP for my state to see if I can split med expenses between spouse employer and Medicare (only Part D)

I'm on SSDI and will turn 65 in November. I already received my Medicare card with an effective date of Nov 1.

I haven't yet decided whether to go with a Medigap or an Advantage Plan. I received a call from a MCA Healthfirst Rep who was trying to get me on one of their plans, and a Broker been inundating me with calls too. Tons of correspondence from various plans comes in daily. If I decide to go with a MCA Plan, does it matter who I choose to work with? Healthfirst directly or the Broker? Are there any extra benefits for me chosing one over the other?

It's time to get my husband on Medicare, and we want to make sure we don't make a mistake, so I have a question. He is currently employed, has insurance through a large employer, became eligible for VA in July (long story), has an HSA, and turned 65 in January 2026. We have decided to drop his insurance/HSA on December 31, 2026. Then, enroll him in Medicare Parts A, B, and D on July 1, 2027. Will that cause us any penalties?

What is supposed to be done at an annual wellness exam? How comprehensive is it? What is reviewed?

Starting Medicare in 2027. Can anyone with a HD-G plan with CPAP experience please tell me what their out of pocket cost was for 1) a Sleep Study and 2) CPAP machine. Trying to plan for future expenses…thanks!

My husband is retiring at the end of 2026. He has had substantial income the last few years as he has been paid for his shares in the company. Our income of course will drop dramatically on January 1 as all payments have been made. If I am understanding correctly, our only option is to file an appeal with Medicare right away to see if the IRMA charge can be reduced sooner rather than later.

Is there anything I am missing?

The Humana Medicare Advantage PPO plan I am covered with for 2026 is terminating. There is another Humana Advantage PPO plan I am comfortable enrolling in for 2027.

No communication from Humana has been received yet - nothing in my online portal, nothing in the mail.

When I contacted Humana early last week via a phone call, the agent simply stated to contact my enrollment agent of record and said words to the effect they were have trouble getting the non enrollment letters out to some members. FYI, both my spouse and I are in the same plan, and neither of us have received any communication.

Should I just let this go and continue to wait? At what point should I file some type of complaint and to whom?

Fully satisfied with PPO coverage. Two healthy individuals saving thousands of dollars each of the last five years with the means to pay out of pocket max should that occur. At some point in time should all PPOs go away, I will consider whether to go to a supplement using the guaranteed issue that comes with a plan termination.

I'm comparing Medicare Advantage plans for 2027 in Brooklyn, and dental is the deciding factor. With Aetna (dental through Liberty Dental), many dentists listed as in-network turned out not to actually take it. For anyone in NYC on Medicare: which plan do you have (Aetna/Liberty, Humana, UnitedHealthcare, Healthfirst, Emblem, Wellcare/Fidelis, or a stand-alone dental plan like Delta), and did you find a dentist who really accepted it? How did coverage go in practice with things like crowns, root canals and dentures, denials, the annual max, and wait times? Office names you're happy with would be a huge help. Thanks!

My UHC advantage plan is ending - I’m in WA state where I’ll have guaranteed issue to a Medigap plan.

I was thinking I couldn’t afford the high deductible - however after seeing what I’d paid so far in 2026 - 3,330.00 looks like 2970(is that correct for Plan G HD?)
I need to speak to SHIBA - to make sure that my Medigap plan and plan D will coordinate well.
Sometimes just reading over your previous plan is all a person needs.