• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
    4/05/2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
    9/19/2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
    6/15/2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
    4/30/2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
    12/07/2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
    11/07/2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
    9/27/2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    5/12/2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
    9/18/2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche
    8/07/2016

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Medicare Supplement Choices For AT&T Retirees

Medicare Supplement Choices For AT&T Retirees

Are you one of the many seniors offered limited Medicare Supplement choices with AON?  AON does not have to be your one stop shop.

There are other Medicare Supplement choices for AT&T retirees.  Although the cost of your Medigap insurance premium is subsidized through AT&T Health Retirement Account (HRA), the price of your Medicare Supplement insurance may be higher than normal.

If you ask AON about their pricing, they will tell you that a retiree purchasing individual Medicare insurance will pay the same premium no matter who the broker/agent is.  This is true.  However, what you may not be told is that AON is not shopping the entire Medicare Supplement insurance marketplace for you.  This means your Medigap choices are limited with AON.

Medicare Supplement insurance (also known as Medigap) plans are standardized by CMS (Centers for Medicare and Medicaid Services).  This means that Medigap Plan F with ABC insurance company is the same Medigap Plan F with XYZ insurance company.  The only difference is price.  The Medigap plans being offered by AON are the same exact Medigap plans in the independent marketplace.   AON, however, is contracted with only a few insurance carriers.  In contrast, the independent market has access to dozens of insurance companies for the same exact Medigap benefits.

Does price matter?  Depending on where you live, your age, and tobacco status determines your actual Medigap Premium. By law, AON cannot give special Medigap pricing for AT&T retirees.  As a Medicare Beneficiary, you will be offered the same Medigap premiums as any other Medicare eligible person.  Shopping the independent market will make sure you are receiving the best priced premium.  Remember, your unused HRA dollars roll over to the next year.  AT&T has not made a funding commitment beyond 2015.  So, indeed, price does matter.

Here are a few tips on getting the most out of your HRA dollars.

  1. You are required to purchase only one plan through AON in order to activate your HRA account — either a Drug or Medicare Supplement.
  2. Choose ONE plan to buy outside of AON and then shop the entire Medicare Supplement market using an independent agent to help you compare prices.
  3. Use HRA to pay for both premiums (Drug and Medigap).

Possible Scenario:

  • Buy a drug plan through AON.
  • Contact an Independent Agent to shop the Medicare Supplement market for the Medigap Plan you want (for example, Plan F).
  • Compare AON’s quotes for Plan F with Independent Market Quotes.
  • Purchase Plan F at the lowest premium available using your HRA for the premiums.

In conclusion, AON is a private health exchange vendor who has brokered a relationship with AT&T.  You may be one of many seniors offered limited Medicare Supplement plans with AON.  In reality, there are other Medicare Supplement choices for AT&T retirees.

If you want the freedom of shopping the independent market for your Medigap Plan, you have options outside the private health exchange.

About REMEDIGAP

By working directly with REMEDIGAP, you will have one contact throughout the entire process. No long waits to talk to someone. Whether you have many questions or just a few, we will answer them promptly. Our service is completely free of charge to you.

We are easy to reach:

  • Call us at 888-411-1329
  • Complete our Quote Request form
  • Email us at [email protected]
  • Chat with us online
  • Leave a comment below

 

Call (888) 411-1329 for your free consultation today!

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2 thoughts on “Medicare Supplement Choices For AT&T Retirees”

  1. Rebecca Ramey Hill

    When we closed a checking account and transferred our insurance payments to another one, my husband’s George Hugh Hill Jr didn’t change. The problem is mine defaulted because the though I was still paying from the dropped acct. I need to reactivate my supplement policy so I can have coverage. I hardly ever get sick so it took quite a while for me to notice that it dropped. We have horrible phone service here and seem to do better with text if possible. Thanks so much for the help!

  2. You’re welcome Rebecca. Please call us directly at 888-411-1329 and we’d be happy to research your options. I’m also sending you an email just to be on the safe side.

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