Is there an organization not affiliated with an insurance company to talk to about insurance options? The nursing home where my m-i-l resides is pushing a new company named "Simpra", that looks to be a special needs plan for individuals needing long term services and support. My m-i-l is currently on Medicare/Supplement/Medicaid, while waiting for my f-i-l's estate to be settled (2 years and counting). When it's settled she will be coming off Medicaid until that money is used, going back on Medicaid when it runs out, coming back off when the next payment (sale of a company) is made, going back off when the money is gone....for, assuming she lives that long, at least 5 years.
I really don't want to spend lots of time changing insurance companies back and forth so we are keeping the supplemental insurance because she will need it intermittently. But I'm not sure that my thinking is correct, especially as the nursing home is really pushing this medicare advantage plan. I need to talk to someone who "doesn't have a horse in the race" and won't try to sway me to a particular insurance company/method.
Any suggestions about who to call for advice? (Or does anyone out there have experience with this back-and-forth situation and know what's worked for them?)