I learn something new every day!
Yesterday, I came across a retired government worker that wanted an MA plan for their spouse who is on Medicare. During the census I took, I learned that the group insurance they had was going up, and I thought I had a sale....
The retiree told me at one point that, although the group insurance is secondary, Medicare pays the spouse's group co-pays. Since Medicare was primary, they thought they needed an MA plan which would be more affordable. Say what? I asked them if they were FEHBP, and they said yes... I said you gotta be kidding, Medicare is performing like a supplement to their group, and they have no out of pocket expenses other than their premiums!
The group insurance is a PPO, but the co-pays are picked up by Medicare under FEHBP! Furthermore, they get a premium reduction on their group insurance for having Medicare. WOW!
I looked this up on the FEHBP web site and confirmed this. Thought you guys should know....
No sale, but a successful visit that helped some seniors!
Yesterday, I came across a retired government worker that wanted an MA plan for their spouse who is on Medicare. During the census I took, I learned that the group insurance they had was going up, and I thought I had a sale....
The retiree told me at one point that, although the group insurance is secondary, Medicare pays the spouse's group co-pays. Since Medicare was primary, they thought they needed an MA plan which would be more affordable. Say what? I asked them if they were FEHBP, and they said yes... I said you gotta be kidding, Medicare is performing like a supplement to their group, and they have no out of pocket expenses other than their premiums!
The group insurance is a PPO, but the co-pays are picked up by Medicare under FEHBP! Furthermore, they get a premium reduction on their group insurance for having Medicare. WOW!
I looked this up on the FEHBP web site and confirmed this. Thought you guys should know....
No sale, but a successful visit that helped some seniors!