One Chance for a Plan F which Carrier Do You Think is Best?

[Justin Bilyj]

I have a gentleman that has a ton of meds and he will be open enrollment for a supp. He likes the supp idea, but he will pretty much be stuck on the supp I get for him, so I wanted to recommend a plan G and I was wondering who in your mind if you had to be stuck on a med supp would you go with?

Medico or Cigna?

Trying to figure out the best long term rate stability between the two.
I know Cigna is a huge beast of a company but Medico just got out the B's...

appreciate any feedback!

 

[JimmyUt]

If you are looking Plan G, I would recommend Philadelphia American/ New Era if available. Outside of that Medico appears to have a better overall rate history and lower increases, at least in my area.

 

[Justin Bilyj]

PA is good more south, but up here they aren't really on the map. I like them, but my choices are the top two.

 

[senior-advisor-indiana]

Put him with a carrier that pays you the longest. No company will be low priced forever.

 

[G.Gordon]

Go big, BCBS or AARP. AARP = long term stability over all others.

 

[senior-advisor-indiana]

Go big, BCBS or AARP. AARP = long term stability over all others.

I don't know the rates where he is at but why would you make a client pay extra from the get go? The reason UHC and Anthem/BCBS have stable rate increases is because they are already 50%+ more than other companies already. Depending on his conditions he could move to UHC pretty easily in the future.

 

[DS4]

AARP = long term stability over all others.

Ditto......

AARP/UHC rate increase history in Calif.

1.01.11 +5.4
4.01.12 +1.9
4.01.13 +5.7
4.01.14 +5.3
4.01.15 +0

Of course, with the birthday rule in Calif, no one is ever "stuck".

 

[txagent41]

LOL at Cigna. If they're still selling on their current block in 3 years, I'd be amazed.

I'd say BC/BS, at least in Texas. They haven't had a increase >7% in the last 10 years, and have gone down twice.

 

[G.Gordon]

They may start higher than market today, but if he has no future chance of changing, he'll pass what they are in a few years.

Plan F in Missouri, even with our anniversary GI law, .1% increase for 2015. 4.8% decrease on Plan N.

 

[StanTheInsMan]

I am in Illinois so I can only speak for carriers in Illinois. Combined is my favorite, solid company, 3.3% avg age increase, and good cust. service