Looking for Medicare Plan F reviews? Which insurance companies offering Medicare Plan F get the best reviews? In this post, I will tell you.
If you are like me, you devour consumer reviews before finally deciding on a product or service to buy. So when it’s time to enroll in a Medigap plan, it’s only natural to look for Medicare Plan F reviews online. After all, you want the best medicare supplement plan available, right? If it’s been frustrating for you that reviews seem hard to find, don’t worry. I will clear up that mystery and review them for you right here.
Most likely you are looking for Medicare Plan F reviews that will tell you how comprehensive the coverage is and how often the carrier pays on time. Perhaps you want reviews on how many hassles at doctor’s offices you are going to run into. How do various companies score on that? Let me give you my own personal opinion on how they score:
My Medicare Plan F Reviews for Insurance Companies:
- Blue Cross Blue Shield Medicare Supplement Plan F: A+
- Aetna Medicare Supplement Plan F: A+
- American Retirement Life Insurance Medicare Plan F: A+
- Cigna Medicare Supplement: A+
- Oxford Medicare Supplement: A+
- Manhattan Life Medicare Supplement: A+
- Mutual of Omaha Medicare Supplement: A+
- Banker’s Life Medicare Supplement: A+
- Gerber Medicare Supplement: A+
- ANY OTHER insurance company’s Medicare Plan F: A+
Wow. Now, how is it possible that I vote to give them all my personal thumbs-up A+??
Standardization and Claims Payment
I give them an A+ because Medicare supplements are standardized by the federal government. That means if you buy a Plan F, no matter which company you choose, the benefits are exactly the same. All of them will cover the same gaps in Medicare, leaving you with nothing out of pocket.
Okay great, so we now know the coverage is comprehensive with ALL Medigap Plan F plans offered by various companies out there. But what about paying your claims on-time? Who is the best medicare supplement company at paying claims?
I give them all an A+ on claims payment too. In my experience, all of them will pay on time. None of them will deny any bill that Medicare has already approved. They will pay promptly because Medicare passes the claim on to your supplement company after Medicare pays its share. The supplement company cannot pick and choose which claims to pay. If Medicare covers its share, then your supplement will as well.
At Boomer Benefits, we’ve helped thousands of clients with this plan from dozens of insurance carriers over the years. In all of those years, I can count on ONE hand the number of times we have ever experienced a payment issue with any Medigap insurance policy, with several fingers to spare.
(Now, make note, the excellent track record on claims payment is VERY DIFFERENT for Medicare Advantage plans. Please note that some companies like Aetna, Humana, Cigna, United Healthcare and BCBS all offer both Medigap plans and Medicare Advantage plans. The reviews for Advantage plans are often much different. So if you read a review out there that says one of these carriers has has been sanctioned by Medicare, that is referring to the completely separate Medicare Advantage division. I can assure you that the Medigap plans that the same company sells will have an excellent payment record. If you feel unsure because you read a bad review, give us a call here and we can give you the real scoop.)
Access to Your Doctors
Access to physicians is also easy with Medigap because Medicare itself is your network. Doctors that take Original Medicare don’t care which Medicare supplement you are enrolled in. Medicare is the primary payer, and pays its share of your benefits, and then sends the rest on to your secondary payer (your supplement company) to pay the rest.
In ten years of working with these plans, I have never, ever had a doctor turn away a Medicare patient because he doesn’t recognize the name of your supplement carrier. Even if he tried, you would place a quick call right here to Boomer Benefits from your doctor’s office. We can clear up any confusion from an uneducated doctor office worker in seconds.
Factors in Choosing the Right Medigap Plan F
For example, Aetna Medicare Supplements are a great choice for a client who cares most about stability. Aetna has been around since 1850, and our agency is a top producer for Aetna Medigap insurance because of it. We know it makes people feel safe. Or maybe you are a person who has had Blue Cross Blue Shield insurance through an employer in the past. If you had a good experience and feel solid about BCBS, then they are a great choice. Peace of mind does factor into these choices for many people.
Now, having eliminated the issues of benefits, claim payment and doctor access from factoring into your decision, the plan selection process becomes really easy. You can request quotes, knowing that all of them will pay just as they are scheduled to pay. Review the current rates AND the rate increase histories. Then select one of the dozens of A or B+ rated carriers. If you are working with Boomer Benefits, we can run this report for you in less than one minute. You’ll also get support from us that you won’t get from an insurance company.
This leaves one remaining factor for our Medicare Plan F Reviews, which is customer service. Medicare Reviews on customer service is really what we are after, right?
Customer Service at the Big Insurance Companies
Where we DO see differences between insurance companies is in their customer service departments. There is no doubt that some insurance companies are easier to work with than others. Let’s say your doctor submits a claim with an incorrect billing code and Medicare denies the claim. People generally want to know that the insurance company is easy to work with to solve the problem.
Fortunately, if you are a Boomer Benefits client, you don’t have to worry about the customer service ratings of the insurance company. That’s because you will rarely have to deal with the insurance company. You’ll simply call here, and we provide all that support for free. This includes things like replacing lost ID cards or help finding providers in your area who take Medicare. It also includes more serious things such as our help filing an appeal if Medicare denies one of your claims.
People who enroll directly with the carrier pay the same rate as our clients do, but they lose out on all the extra benefits like these that our agency provides. Why would you settle for less when you pay the exact same premium either way? Agents are paid a commission by the insurance company to provide you all these services. Your monthly premium already includes that commission. If you enroll direct with the insurance company, they just keep it. You pay it either way, so why give up all that free back-end support?
This is especially true of Part D policies. I wish I had a dollar for the hundreds of people who contact us every year asking if they can add us to their policy as their agent after the fact, because they are so tired of trying to resolve a problem on their own. Our clients are never on their own with Medicare. You can learn more about the benefit of our Client Service Team here. There’s a good reason we’ve received hundreds of 5-star reviews online.
So I hope I’ve helped you see that I’m handing out A’s in the Medicare Plan F Reviews department because Medigap Plan F is just terrific all the way around.
Get Someone on Your Side with Medicare
What is the best Medicare supplement? It’s one you buy from Boomer Benefits so that you always have our Client Service Team to help you on the back end. Would you like personal help from my own team in selecting your Medicare supplement Plan F? Just click below and we’ll be in touch ASAP to discuss Medicare Supplement insurance ratings for your favorite carriers.