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HELP.? I posted the below excellent article from IBM's own website at the IBM Retiree Facebook group.? This topic was elsewhere in the news as well. *BUT a moderator of the IBM Retiree Facebook

Except for the initial letter about changes to the medical plans I haven’t received any more information. If I am not changing my ?current Medicare options do I have to contact anyone? In the past

On Wed, Oct 5, 2022 at 06:25 AM, Bob C. and sbbeaudry@ basically wrote the same thing: Exactly what I was drawing as the answer... Retired too late to get SHAP but did take the Leveling Option for

My interpretation for the survivor rights was just for the part where the employee had to choose to give survivor rights to the spouse for the $3500/3000 HRA and those that gave survivor rights got a

I just dialed the contact # from North Carolina Life & Health Insurance Guaranty Association - Welcome (nclifega.org) ( https://www.nclifega.org/ ). I immediately was connected to Brad who seemed very

Hey Irv. I just read through the PDFs. *My interpretation* of the "Survivor Benefits" goes back to when you retired and chose the "leveling option" of taking reduced retirement benefit so the wife

Thanks for clarifying the bad news.? I wonder how long the $131.50 premium will be in effect?? How hard to pass underwriting to get back to a plan G after 5-6 years when my $18,000+ FHA/HRA balance

When you have a custom medical plan such as the one IBM has negotiated or is negotiating with United healthcare, there will be a big learning curve for everybody including those at United healthcare

I don't have a lot of confidence in the information on that link, and related ones either. I spent some time a few days ago checking to see whether my current providers are in-network. The good news

I called into UHC and I can't get a clear answer on the chart @ https://retiree.uhc.com/content/dam/retiree/pdf/ibm/2023/Understanding-the-IBM-subsidy.pdf and I got the same answer twice, but not a

Lifted from: https://retiree.uhc.com/content/dam/retiree/pdf/ibm/2023/Understanding-the-IBM-subsidy.pdf *If you had an FHA balance converted to an HRA, you will continue to be able to* *withdraw from

I got the letter saying my pension was not affected and is not transferring to the insurance companies. I got a mailer about 2023 Benefits for Medicare-eligible ... But nothing about what happens to

I went with Plan G knowing I'd have no bills for life for whatever Medicare covers.? And I can go to any doctor that accepts Medicare throughout the USA. You can't "guarantee" this with any MA

Yes Big AL, anytime you see paid advertising such as your example of Joe Namah that you mentioned, you can be sure there is a profit motive. However, most if not all Medigap companies advertise their

Correct. The government, insurance companies, Joe Nameth, etc have been pushing and incentivizing people to go to Advantage. Advantage plans are being unfairly subsidized to trick people into a

It appears that, those of us who have chosen a standard Medicare Supplement plan, will lose our subsidy, unless we change to a Medicare Advantage plan.

I’m not so much worried about the quality of this new plan. What I’m most concerned about is what happens in 2 years, 5 years…or whenever IBM decides to change plans yet again. Who knows what we

Sorry about the wife’s condition. I’ve been told to get off Advantage and back to medigap after the grace period it requires going through underwriting. Can you share how the process worked for

I think the first signal of possible trouble of these insurance companies? would be a downgrade of their A.M. Best ratings.? From what I can find in Google searches is that both companies are rated

Home grown? No. Medicare plans or Advantage plans follow set rules as dictated by CMS.