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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 41 of 89 (1,178 Views)

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

 

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 42 of 89 (1,171 Views)

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 stat 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.

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 43 of 89 (1,205 Views)

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 stat since many of the enrolling rules for a Medigap policy are made at the state level.

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 44 of 89 (1,203 Views)

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 don't word it this way but yes, the best way to approach Medicare -- or any health insurance I guess -- is with the doctor. 

  • What insurance does your doctor (or do your doctors) take?
  • What about nearby hospitals?

After those questions are answered (sounds like you do not have a doctor), then follow the charts on pages 4 and 5 in the newly released "Medicare and You, 2018" (see Note)

 

NOTE: The new version does not seem to be on the Medicare web site yet but my spouse received a copy in the mail today so I assume they are on the way to everyone. If you only have last year's, see page 17 but it is not as easy to understand as the new information. Given your comment and depending on personal and local conditions (don't post them on this web site), you probably have to time to change for 2017. You can definitely change for 2018 during the upcoming Annual Election Period. Go see the local expert at your nearest senior center or like facility if you are unsure of what these charts mean.

Info Seeker
Posts: 1
Registered: ‎02-10-2017

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

Message 45 of 89 (1,207 Views)

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.

 

Info Seeker
Posts: 3
Registered: ‎05-28-2017

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

Message 46 of 89 (5,673 Views)

Obviously, you don't understand English..

I know what I will do come open enrollment/

Now for the last time....

Leave me alone.

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 47 of 89 (5,657 Views)

Just trying to help you understand the Medicare Prescription Drug Program and why your cost maybe so high and IF there maybe something you can do about it.

 

Shop your Medicare Part D plan during open enrollment, there could be an insurer that has them on their formulary - (doubtful, but maybe)

Info Seeker
Posts: 3
Registered: ‎05-28-2017

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

Message 48 of 89 (5,992 Views)

Gail,,

I know what I was told...

At the time I was assured  the 2 meds I asked about, would be covered, I repeated "Brand Name", was told yes..

As I said, they finally agreed to the Protonix.

I have tried several generics, please read again what I wrote, none worked.

The doctor, (who knows much more than some fool sitting behind a desk), understands what works for my health.

These people who dictate what you can have are ridiculous, much like your statement.

Please don't email me with nonsence.

Their rating is as low as it can go.......

 

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??

[ Edited ]
Message 49 of 89 (6,104 Views)

r58721w wrote:

United Healthcare is the worst!

Since just starting Medicare, I was told that Plan F was the best.

However, the perscriptions was a separate plan,, no problem, got that throught them as well.....BIG MISTAKE.

I take only 2 meds,,,Protonix & Zetonna (an inhaler) thats it..

My PC had to stop his work and dedicate time to write why I needed the name brand as other products previously tried never worked and resulred in many hospital visits, The generic does not work, as well...

They finally accepted the doctors orders and decided to pay a portion of this drug, that I have taken for years.

Now we get to the Zetonna, another drug they still refuse to help cover.

My ENT doctor just phoned me, on a Sunday no less, to see if I was all set in getting ths covered,,,,

He was very upset when I told him once again it was denied.

He said this group is nothing but "smoke & mirrors" and he's right/

5 times this man has filled out paperwork and sent it in and still, whoever makes this decision in UHC  to decline this med, better have a doctorate degree,

I think its disgusting that some office worker decides what a patient is in need of.

So right now for this spray I pay 750.00.

I am sorry I ever got involved with UHC and I am very sorry that AARP is involved with them...


I believe that your problem may have less to do with any particular Medicare Part D insurer and more to do with the meds which have been prescribed for you.

 

Since you have decided to stay with Original Medicare (with a supplemental policy to pick up the cost slack), you do have to pick a free standing Medicare Prescription Drug Coverage plan (Part D).

However, you can pick from several different insurance companies that are offering this coverage in your area.

 

Your selection criteria should be based on medicines which you use which are offered on their formulary.  

 

I am not sure that you are gonna find Protonix on a Medicare Part D Insurance plan in brand form since there is an equivalent generic.  Medicare Drug plans would cover the generic of Protonix ( pantoprazole ) - FACT: FDA requires generic drugs to have the same quality and performance as brand name drugs. FDA: Understanding Generic Drugs

 

You will find generics used in the place of brands on many medications and if you really want the brand, then you will have to have your doc ask for the exception as you did and pay the extra cost.

 

GoodRx.com indicates the difference in price in generic vs brand and states that Medicare only covers the generic form.

 

However, you can always check other plans by going through the Medicare Plan Finder (link below) for the brand name to see if any Part D plans do offer these meds on their formulary in brand form.

 

When Open Enrollment opens in the fall of this year, go to this  Medicare site and do personalized search for a better / different Part D plan if there is one, to suite your needs better.

MEDICARE Plan Finder

 

There is a video on the right side of the page if you need to see how to use it.  But here you will be able to list your meds and see what all the companies offering these meds in a Medicare Drug Plan in your area offer - then you can pick the best one for your current needs.  Remember, you can change companies for Part D coverage yearly so it is always good to do a review during the annual open enrollment period.

 

You may want to talk over these meds with your doctor(s) since it is the philosophy of Medicare that Part D plans encourage the use of generics to keep down cost.

 

 

 

 

 

Info Seeker
Posts: 3
Registered: ‎05-28-2017

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

Message 50 of 89 (6,071 Views)

United Healthcare is the worst!

Since just starting Medicare, I was told that Plan F was the best.

However, the perscriptions was a separate plan,, no problem, got that throught them as well.....BIG MISTAKE.

I take only 2 meds,,,Protonix & Zetonna (an inhaler) thats it..

My PC had to stop his work and dedicate time to write why I needed the name brand as other products previously tried never worked and resulred in many hospital visits, The generic does not work, as well...

They finally accepted the doctors orders and decided to pay a portion of this drug, that I have taken for years.

Now we get to the Zetonna, another drug they still refuse to help cover.

My ENT doctor just phoned me, on a Sunday no less, to see if I was all set in getting ths covered,,,,

He was very upset when I told him once again it was denied.

He said this group is nothing but "smoke & mirrors" and he's right/

5 times this man has filled out paperwork and sent it in and still, whoever makes this decision in UHC  to decline this med, better have a doctorate degree,

I think its disgusting that some office worker decides what a patient is in need of.

So right now for this spray I pay 750.00.

I am sorry I ever got involved with UHC and I am very sorry that AARP is involved with them...