fbpx

AT&T Retiree Health Insurance – Your Medicare Options

Share on email
Share on facebook
Share on twitter
Share on linkedin
Share on pinterest
Share on reddit

Find affordable Medicare Supplement plans

In this article we’ll discuss:

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 for your AT&T retiree health insurance.

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.

retiree AON ATT Options

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 Supplements

Medicare Supplement insurance (also known as Medigap) plans are standardized by CMS (Centers for Medicare and Medicaid Services).  This means that Medigap Plan G with ABC insurance company has the same coverage as Medigap Plan G with XYZ insurance company.  

The only difference is price.  

How can an ATT Retiree Save Money?

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.

AT&T Retiree Health Insurance

AT&T HRA

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 G).
  • Compare AON’s quotes for Plan G with your independent market quotes.
  • Purchase Plan G 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 about your AT&T Retiree Health Insurance. 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 service@remedigap.com
  • Chat with us online
  • Leave a comment below

Find affordable Medicare Supplement Insurance plans in your area

Questions?

We know that Medicare can be confusing.  We also know that everyone's situation is different. That's why we're here to help. Schedule your free consultation now!

Joe Moynihan
Joe Moynihan
Facebook review
Read More
Best decision I made going through REMEDIGAP. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joann and walked through options, received some quotes she took care of the rest with absolutely no pressure.
Billy Shows
Billy Shows
Facebook review
Read More
I wish I had found REMEDIGAP in the beginning. It would have saved me 3 months of headache. Joann is really awesome in the way she explains everything and she is a very genuine person.
Diane Langille-stone
Diane Langille-stone
Facebook review
Read More
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.
Tammy Feola
Tammy Feola
Google review
Read More
Joann is top notch when it comes in explaining whatever question you might have in regards to supplemental insurance. She is professional, courteous, a lovely person to talk to. I feel at easy when talking to her. She is a great asset to your company.
READ ALL OUR REVIEWS!
READ ALL OUR REVIEWS!
Click above to read all our reviews from our wonderful clients!

Compare free Medicare Supplement quotes from top rated insurers

PEACE OF MIND

Don't Forget Your Medigap Quote!

medigap quote

Compare The Top Medicare Supplement Plans In Your Area

This is a solicitation for insurance, a member of REMEDIGAP will contact you to discuss your Medicare options.

Join our FREE 7-Day Medicare eCourse

Medicare doesn’t have to be so confusing. We’ll send you 7 email lessons with videos that will guide you through the Medicare process. We want you to be informed, confident and comfortable with your Medicare planning.