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QualChoice Medicare Review

Although QualChoice Medicare Advantage plans have been cancelled, the QualChoice Medicare Supplement is called MediQ65. QualChoice Medicare rates for Plan F with a high deductible are $61.50/mo while QualChoice Medicare costs for Plan A are $123.44/mo.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 23, 2020

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QualChoice Medicare
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QualChoice is an Arkansas health insurance company that offers a variety of individual and group insurance plan options. They are one of the largest insurers in the region and write major medical as well as supplemental policies.

About QualChoice

In 1994 the University of Arkansas for Medical Science established QualChoice as a third-party administrator, but soon converted to operations as a full-service health insurance provider. Policies include individual HMO and PPO plans for individuals and as corporate benefits.

In 2009 QualChoice acquired Community Bank Life, and the newly merged company became QualChoice Life and Health Insurance Company, Inc. The company then formed QualChoice Holdings as a parent company the following year.

QualChoice itself was acquired in April of 2014 by Catholic Health Systems (CHI), the country’s biggest nonprofit health system. Since 2016 it has been reported that CHI is making efforts to sell the company, but as of the writing of this review, they remain QualChoice’s parent company.

As of the end of 2018, QualChoice will no longer be writing Medicare Advantage plans. Although it is not made explicit, this may be related to the plans to sell off the company either as a whole or in parts. Medicare Supplement plans are still available, although new policies are not being written in some counties, only renewals.

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QualChoice Medicare Products

MediQ65 is QualChoice’s Medicare Supplement plan. Although they brand the plans with their own name, the choices are based on the letter-coded standard plans that are written in most states.

MediQ65 options are Plans A, F, F with a high deductible, G, K, and N. That is about half of the available letter-coded plans; there are a total of 11. Insurance companies can choose which of the plans they want to offer, although they are required to write Plan A which is the most basic plan.

Plan A pays for the coinsurance amounts that are not covered by Original Medicare, and also covers three pints of blood each year.

Plan F offers the most coverage available, and it pays for all of the out-of-pocket costs that Medicare does not cover. That makes it the most expensive plan in most cases, which is the reason for the high deductible option. The deductible amount allows for a lower monthly premium with a set out-of-pocket costs that can be planned for, and full coverage thereafter in the event of a major medical incident.

Of the other plans offered by QualChoice, both plans N and K are more budget-friendly due to copays and lower coverage percentages. Each also has an out of pocket maximum for catastrophic events.

Rates

QualChoice has an easy rate chart that offers the current premiums for 2018; 2019 rates are not yet available.

Plan A has a monthly cost of $123.44. The least expensive option is the high deductible Plan F at $61.50 a month, with Plan K a close second at $68.48.

Since these rates are only for the state of Arkansas and only for the counties listed on the chart, we are unable to offer a real comparison to other companies. The rates compare fairly favorably to what we have seen in other states, but they can only really be useful when compared to other Arkansas insurers.

Claims

Claims information is not available online for the QualChoice Medicare Supplement plans, which is not unusual for this type of insurance.

Claims are generally handled directly with the provider, and in most cases, the insured is not required to file anything.

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Ratings and Consumer Reviews

QualChoice has an A- rating with the Better Business Bureau (BBB), having been docked slightly for failure to respond to one complaint. Outside of that one, there have been only three complaints closed in the past three years.

Elsewhere, we found three negative reviews of the company on Yelp, for a one-star rating overall. The complaints are in regards to premium increases and coverage issues.

Overall, there is really very little in the way of customer reviews for this company out there, and none of the reviews we saw pertained directly to Medicare coverage.

The Bottom Line

QualChoice has a handful of Medicare Supplement plans available, but the fact that they are only writing new business in some counties and have moved out of the Advantage market may be a sign that they will not be writing this coverage in the future. We did not notice any red flags for this company, and their rates seem reasonable, but the uncertain future due to the efforts to sell off the company may be cause for hesitation.

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Review Information

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QualChoice Medicare
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

2 Comments

  1. This insurance is awful. It doesn’t pay for your medicines, doesn’t pay for tests that your dr. ordered. I have only had this ins since January 2017 through my employer. I do not recommend this company, They are useless.

    Reply
    • I have had QualChoice since August of 2015 (when I turned 65). In that time I have had no problems. Two surgeries and an ambulance ride to the emergency room, all the tests my doctor ordered, routine and follow up visits with my doctor all without any problems. I have never paid a dime for any of the services provided and the cost of my Plan F is more than reasonable since I have had NO expenses other than the premium. I only wish they provided Plan D coverage so I could enjoy the same leverl of customer service and sense of security with my drug purchases.

      Reply

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