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Recognized Social Butterfly
Posts: 870
Registered: ‎09-03-2011

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 31 of 89 (3,657 Views)

Since this thread is about customer reviews of “AARP United Healthcare Medicare supplemental insurance”.  Here’s my review:

 

I’ve had an AARP united healthcare supplement letter plan for 3 years. I have also used it in those years and I have no complaints.

 

Medicare approves an amount of a medical charge and pays their 80%, the charges are then automatically forwarded to United Healthcare and they pay the remaining 20%. I do nothing other than file the explanation of benefits forms that are mailed to my house (I need to sign up for the paperless EOB statements).

 

Among my benefits I have silver sneakers, 24 hour nurse on call. Currently I pay $159 a month, a bargain.

 

Why I originally chose United Health care? Besides a good value at a low cost, they are the largest provider of both Medicare supplement and Medicare advantage plans thus they have a lot of weight to throw around when it comes to protecting my privileges as a Medicare recipient. I believe as UH goes so goes the rest.

 

I did a lot of research and talked with a lot of average Joe’s and Jane’s about their Medicare health plans before I came to my conclusion about which supplement plan I wanted. I separated the wheat from the chaff and didn’t pay attention to those that had an axe to grind about an organization and couldn’t be honest about their benefits. 

 

So far I’m very pleased with my United Healthcare Medicare supplemental coverage.

Valued Social Butterfly
Posts: 8,793
Registered: ‎08-18-2008

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 32 of 89 (3,677 Views)

john258

I looked the thread up and read all the comments.  YOU changed the subject of the thread when you responded to byrondennis without giving any description.  IMO, you sought to confuse the original poster when they were speaking about the donut hole of Part D Medicare - which was the subject of the original post.

 

Personally, I will now only ignore your post.  

Valued Social Butterfly
Posts: 5,681
Registered: ‎07-20-2010

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 33 of 89 (3,689 Views)

byrondennis wrote:

GailL1 wrote:

john258 wrote to byrondennis:

Might be hard for you to accept but you gave advice which if I had followed would have cost me over $1,000 per year. It is  up in here so go read it.

------------------------------------------------------------------------------

You have mentioned this time and again - can you point me to this "advice" so I can determine what you mean.  Should be easy for you to find and link it or just note the subject of the thread, time and date.

 

 


Gail, this commenter in chrono comment 54 -- who keeps repeating the same nonsense -- apparently has a reading comprehension problem or perhaps English is not his or her native language... or perhaps a problem understanding the meanings of adjectives and adverbs in English or... or perhaps does not even understand the meaning of the word 'advice' in English. I dunno... quite bizarre. Also I do not pay any attention to the writer of any comment I am commenting on... I almost always comment on the first comment on a Topic, chrono comment 1 - the comment that started the Topic, even if I am the sixth or 16th commenter so I basically have no idea what the commenter is talking about unless it is a Topic started by this commenter.

 

Whatever, the only "advice" I ever give, and I do not even think of it as "advice" but common sense, is to go look at such and such a page in "Medicare and You" or to go to the nearest senior center or like facility. Usually that particular "advice" relates to an explanation of how Medicare works. But I don't comment on that very often. More often I reference a GAO or MedPAC or Trustee document relative to a statistic. I certainly never discussed any 30% discounts or $1000 "savings" with anyone as is claimed (but I might have used a percentage as in "about 30% of the people on Medicare are on Part D").

 

In fact based on the description in chrono comment 54, it sounds like the commenter is saying he or she does not have Part D. But there are a few Part D plans left that cover the donut hole so who knows:

  • Something about the donut hole
  • But he or she does not have a donut hole because he or she has something related to group retirement insurance that includes dental and nurses (but so do a lot of Part C plans?)
  • blah blah indemnity???
  • And he or she saves 30% (30% of what?)

Whatever, his or her whole series of  run-on stream of consciousness comments without English grammar and constantly completely reposting  every comment that came before should be deleted by the moderator.

 

The real irony that both you and I always tell people to go look it up and/or go to the senior center and or give a link, which appears to be what he is criticizing us for not doing. That's why I go back to the reading comprehension problem/ESL assumption


When facts prove someone wrong they can do one of two things. Accept the truth and change, or make up lies to try and justify what they did. You choose the later. What you do is hurt people badly by what you post telling them how to handle their problems in the Health Insurance field.  You have proven over and over again by your posts and advice you give to people that you have no understanding of the subject. I did not even ask you for advice but was commenting on your advice to another poster. You chose to give me unasked for advice which would have cost me over $1,000 per year. Here is some sound advice for you. Stop what you are doing. AARP should never allow such a problem to be on its web site.

Valued Social Butterfly
Posts: 985
Registered: ‎01-02-2012

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 34 of 89 (3,669 Views)

GailL1 wrote:

john258 wrote to byrondennis:

Might be hard for you to accept but you gave advice which if I had followed would have cost me over $1,000 per year. It is  up in here so go read it.

------------------------------------------------------------------------------

You have mentioned this time and again - can you point me to this "advice" so I can determine what you mean.  Should be easy for you to find and link it or just note the subject of the thread, time and date.

 

 


Gail, this commenter in chrono comment 54 -- who keeps repeating the same nonsense -- apparently has a reading comprehension problem or perhaps English is not his or her native language... or perhaps a problem understanding the meanings of adjectives and adverbs in English or... or perhaps does not even understand the meaning of the word 'advice' in English. I dunno... quite bizarre. Also I do not pay any attention to the writer of any comment I am commenting on... I almost always comment on the first comment on a Topic, chrono comment 1 - the comment that started the Topic, even if I am the sixth or 16th commenter so I basically have no idea what the commenter is talking about unless it is a Topic started by this commenter.

 

Whatever, the only "advice" I ever give, and I do not even think of it as "advice" but common sense, is to go look at such and such a page in "Medicare and You" or to go to the nearest senior center or like facility. Usually that particular "advice" relates to an explanation of how Medicare works. But I don't comment on that very often. More often I reference a GAO or MedPAC or Trustee document relative to a statistic. I certainly never discussed any 30% discounts or $1000 "savings" with anyone as is claimed (but I might have used a percentage as in "about 30% of the people on Medicare are on Part D").

 

In fact based on the description in chrono comment 54, it sounds like the commenter is saying he or she does not have Part D. But there are a few Part D plans left that cover the donut hole so who knows:

  • Something about the donut hole
  • But he or she does not have a donut hole because he or she has something related to group retirement insurance that includes dental and nurses (but so do a lot of Part C plans?)
  • blah blah indemnity???
  • And he or she saves 30% (30% of what?)

Whatever, his or her whole series of  run-on stream of consciousness comments without English grammar and constantly completely reposting  every comment that came before should be deleted by the moderator.

 

The real irony that both you and I always tell people to go look it up and/or go to the senior center and or give a link, which appears to be what he is criticizing us for not doing. That's why I go back to the reading comprehension problem/ESL assumption

Recognized Social Butterfly
Posts: 870
Registered: ‎09-03-2011

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

[ Edited ]
Message 35 of 89 (3,477 Views)

Since this thread is about customer reviews of “AARP United Healthcare Medicare supplemental insurance”.  Here’s my review:

 

I’ve had an AARP united healthcare supplement letter plan F for 3 years. I have also used it in those years and I have no complaints.

 

Medicare approves an amount of a medical charge and pays their 80%, the charges are then automatically forwarded to United Healthcare and they pay the remaining 20%. I do nothing other than file the explanation of benefits forms that are mailed to my house (I need to sign up for the paperless EOB statements).

 

Among my benefits I have silver sneakers, 24 hour nurse on call. Currently I pay $159 a month.

 

Why I originally chose United Health care? Besides the good value and low cost, because they are the largest provider of both Medicare supplement and Medicare advantage plans thus they have a lot of weight to throw around when it comes to protecting my privileges as a Medicare recipient. I believe as UH goes so goes the rest.

 

I did a lot of research and talked with a lot of average Joe’s about their health plans before I came to my conclusion about which supplement plan I wanted. I didn’t give many grains of sand to those that had an axe to grind about a senior organization. Separate the wheat from the chaff. 

 

So far I’m very pleased with my United Healthcare Medicare supplemental coverage.

Valued Social Butterfly
Posts: 5,681
Registered: ‎07-20-2010

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 36 of 89 (3,644 Views)

GailL1 wrote:

john258 wrote to byrondennis:

Might be hard for you to accept but you gave advice which if I had followed would have cost me over $1,000 per year. It is  up in here so go read it.

------------------------------------------------------------------------------

You have mentioned this time and again - can you point me to this "advice" so I can determine what you mean.  Should be easy for you to find and link it or just note the subject of the thread, time and date.

 

 


It was about 2 months ago and I called him out on it so you should have seen it. It should still be up but I am not going to waste my time looking it up. He was giving someone else advice on Part D. I told him what my part D was. No gap, no co-pay on generic, discounted prem of between 30 and 40%, special prices on drugs. He then told me I had a certain type of plan D and should check as I could get a lower price and gave me a ref. (I did not tell him about the 30 to 40% discount.) Well my plan comes from my employer and is tied into medi care supp, dental. On my supp. I have to use Indemnity policy for where I live, but I get just about all the discounts you would get in adv. plan. Gym, eyes, nurse on call etc. I also get a 30 to 40% discount on rates. The rule is you take it all or nothing. If I had changed my part D I would have lost the rest to. He did not know the full story on what I had and was giving me advice that would have cost me over $1,000 per year if I had followed it. Yes it is a very good plan from my employer, and very different from what you usually hear about, and I am lucky. There are other special plans like this out there, and that is why you should never give advice to people who have problems with all health insurance. Let the local expert do it as they will get all the details from the person.

Valued Social Butterfly
Posts: 8,793
Registered: ‎08-18-2008

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 37 of 89 (3,524 Views)

john258 wrote to byrondennis:

Might be hard for you to accept but you gave advice which if I had followed would have cost me over $1,000 per year. It is  up in here so go read it.

------------------------------------------------------------------------------

You have mentioned this time and again - can you point me to this "advice" so I can determine what you mean.  Should be easy for you to find and link it or just note the subject of the thread, time and date.

 

 

Valued Social Butterfly
Posts: 5,681
Registered: ‎07-20-2010

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 38 of 89 (1,725 Views)

byrondennis wrote:

john258 wrote:

. As I have said in here I was given advice by Dennis (not asked for) that would have cost me over $1,000 per year if I had followed it.

I cannot imagine what the person that wrote chrono comment 48 is talking about relative to "some advice." I almost always post statistics on this AARP Topic, sometimes with references to Medicare documents (typically from MedPAC, the GAO or the Trustees but sometimes from the Medicare bureaucracy itself) to support the statistics or some other point.

 

If I ever post something other than statistics that someone with a reading comprehension problem might consider advice, the advice is

 

  • "Go see the Medicare volunteer at the nearest senior center or like facility"
  • or
  • "Read page such and such in "Medicare and You.""

2018 version in the mail2018 version in the mail

 

(What's really odd with chrono commenter 48's reply to Gail is the advice to go to get the name of a local expert from a "local AARP office." I am an AARP member and I do not even know where to find a "local AARP office." But you can get unbiased advice from your local senior center or like facility from a volunteer with no conflict of interest. AARP through United Healthcare sells insurance so -- human nature being what it is -- I would not depend on asking one insurance company what all the other insurance companies in my area offer. In my particular county, the AARP offering is expensive and/or not compehensive but AARP probably has great solutions in other counties.

 

(So both Gail and I say "Go see a local unbiased volunteer." Chrono commenter 48 says "Go see a biased paid person that works on commission." You decide which "advice" makes most sense.)


Might be hard for you to accept but you gave advice which if I had followed would have cost me over $1,000 per year. It is  up in here so go read it. So I say stop what you are doing, learn a subject before you post, and stop using right or left as you only show how little you know by doing that.

Valued Social Butterfly
Posts: 5,681
Registered: ‎07-20-2010

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Message 39 of 89 (1,346 Views)

GailL1 wrote:

john258 wrote:

GailL1 wrote:

w269042b wrote:

I'm starting to believe it is really bad. I just signed up with them September 31st and then trying to get a doctor. On the web-site there are many doctors connected to Cleveland Clinic (Weston FL) and it states that they all take new patients but when I called them they really do not accept new patients. I called at least 10 doctors on their list and none accepted me. When I called the Customer Service Help Line and they called the doctors they had the same experience. So none of the doctors listed and connected to the Cleveland Clinic is accepting new patient. Customer Service told me that the list is no being updated and kept current and the doctors told me the same.
This has been a bad experience and I think I should change to another Co-insurance company.

 


You do need to understand that there is a difference in a Medicare Advantage plan and a "medicare supplemental plan aka medigap plan" (the later being the subject of this thread).  You seem to be describing a Medicare Advantage plan, and this differs from the subject of this thread.

 

byrondennis is right - you can change your Medicare Advantage plan at the next open enrollment period in the late fall of this year.  If certain doctors are important to you, check that out 1st before signing up.  However, it is not uncommon for doctors to come and go in some Medicare Advantage plans.

 

If you want better continuity, perhaps you should choose original Medicare - then perhaps buy a Medicare supplemental plan aka Medigap and a prescription drug Part D plan too.  But if you decide to go this route, there could be some hurdles to overcome, depending on your state since many of the enrolling rules for a Medigap policy are made at the state level.


Do you really understand what she is talking about. To me it is evident she does not understand this subject and badly needs the help of a local expert yet you are giving her advice which could really come back and hurt her badly. Why cant you just tell her to see a local expert. I do not understand what joy people get in giving advice to others when it is evident it can hurt them. As I have said in here I was given advice by Dennis (not asked for) that would have cost me over $1,000 per year if I had followed it. Please contact this person and tell them to seek a local expert. They  can go to the AARP Office for names if they need to.


john258,

I did not give advice, only some options which the poster can decide upon, with or without help.

It is apparent that they are not talking about a Medicare supplemental plan.

They can seek out a local person for help or do some self study. Help is listed on the Medicare site by state and it is included in the Medicare and You booklet which we all get each year.

You are free to post your response to the poster - telling them to see a local expert - you can even give them the web address to locate local help (in their state).

Medicare - Find Contact Information

 


Suggest you go back and reread your post. You gave advice to someone who by their post has no understanding of the subject and badly needs local expert help. It is not apparent what they are talking about since they would seem to have little knowledge of Medicare. When you give advice without knowing everything about their problem you can hurt them badly. I gave you an example of how bad advice could have done that to me. Why cant you give a person real help when it is evident they do not understand their problem and tell them where to go for a local expert. Hurting people can be easy, helping them is harder and requires we put away our own desire to feel like we are an expert.

Valued Social Butterfly
Posts: 985
Registered: ‎01-02-2012

Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

[ Edited ]
Message 40 of 89 (1,312 Views)

john258 wrote:

. As I have said in here I was given advice by Dennis (not asked for) that would have cost me over $1,000 per year if I had followed it.

I cannot imagine what the person that wrote chrono comment 48 is talking about relative to "some advice." I almost always post statistics on this AARP Topic, sometimes with references to Medicare documents (typically from MedPAC, the GAO or the Trustees but sometimes from the Medicare bureaucracy itself) to support the statistics or some other point.

 

If I ever post something other than statistics that someone with a reading comprehension problem might consider advice, the advice is

 

  • "Go see the Medicare volunteer at the nearest senior center or like facility"
  • or
  • "Read page such and such in "Medicare and You.""

2018 version in the mail2018 version in the mail

 

(What's really odd with chrono commenter 48's reply to Gail is the advice to go to get the name of a local expert from a "local AARP office." I am an AARP member and I do not even know where to find a "local AARP office." But you can get unbiased advice from your local senior center or like facility from a volunteer with no conflict of interest. AARP through United Healthcare sells insurance so -- human nature being what it is -- I would not depend on asking one insurance company what all the other insurance companies in my area offer. In my particular county, the AARP offering is expensive and/or not compehensive but AARP probably has great solutions in other counties.

 

(So both Gail and I say "Go see a local unbiased volunteer." Chrono commenter 48 says "Go see a biased paid person that works on commission." You decide which "advice" makes most sense.)