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Subject: Looking for firsthand experiences with Raytheon Medicare Plus (UMR)

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    • October 15, 2026 at 8:55 pm #13611
      Ken Welch
      Participant

      **Subject: Looking for firsthand experiences with Raytheon Medicare Plus (UMR)**

      I’m considering using my Raytheon Medicare Plus retiree coverage with Original Medicare and would appreciate hearing from retirees who currently use this plan.

      I’m particularly interested in:

      1. Does Medicare automatically forward your claims to UMR, and does the process work smoothly?
      2. Does UMR accurately track your medical expenses toward the $1,750 annual out-of-pocket maximum?
      3. Have you experienced billing errors, and if so, how difficult were they to resolve?
      4. Are your EOBs easy to understand, and can you review your claims and balances online?
      5. Overall, are you satisfied with the plan, and would you recommend it?

      I’ve reviewed the Summary Plan Description, but I’ve received some inconsistent answers from UMR representatives.

      I’m especially interested in actual experiences with medical claims rather than general opinions about the company.

      Thanks in advance for sharing your experiences!

    • October 15, 2026 at 9:26 pm #13614
      John Lantagne
      Participant

      1. Does Medicare automatically forward your claims to UMR, and does the process work smoothly? A.Yes
      2. Does UMR accurately track your medical expenses toward the $1,750 annual out-of-pocket maximum? A. Yes
      3. Have you experienced billing errors, and if so, how difficult were they to resolve? A. Medicare is primary, so it determines coverage. UMR numbers have always agreed with Medicare.
      4. Are your EOBs easy to understand, and can you review your claims and balances online? A. Yes
      5. Overall, are you satisfied with the plan, and would you recommend it? A. Yes, I have been with them for almost 3 years.

    • October 15, 2026 at 9:44 pm #13615
      Ken Welch
      Participant

      Thank you John for your timely reply. I will be joining Raytheon Medicare Plus 2027.

    • October 16, 2026 at 2:59 am #13616
      Neil Gould
      Participant

      I agree with John. I have been on the plan for 6 years. Last year I was diagnosed with non hodgekins lymphoma with a few hospital stays, chemo, and many blood tests. Charges were over 1 million. I didn’t keep close tabs but after the $1750 deductible I paid nothing.
      I have been in remission for 16 months.
      Due to my length of service and legacy TI my premium is 0. I don’t know what it will be for 2027.
      Good luck..

    • October 16, 2026 at 12:51 pm #13617
      Ken Welch
      Participant

      Thank you Neil.
      First of all, congratulations for being in remission for 16 months. That is quite a milestone.
      Thank you for your prompt reply.

      Ken

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