Medicare & Insurance

I enrolled in the AARP UHC Supplemental plan 10/1/2022. I have never been able to access my account on line because the HealthSafe ID registration got corrupted and NO ONE can seem to resolve this! I have no access to my portal and benefits. I have had several tickets opened up with UHC Tech Support with NO resolution to date, 4 months later. How/who can escalate this issue?

Do you keep up with the changes your state makes through legislation to Medigap plans [Medicare Supplemental plans]. These could affect you in certain situations your ability to switch plans or insurers at a specified time during the yearOR perhaps buy a Medigap policy if you are less than 65 years old and on Medicare.OR even if you have ALS or ESRD in some states.  Your State’s legislators should know of these changes as well as your state’s dept of insurance.  Also the SHIP counselors in your state as well as the Medicare plan agents and brokers.         

End of 2026. Expect premium increases and pharmacy increases. Bye Bye to those $0 premiums. https://www.npr.org/2026/07/29/nx-s1-5912039/the-trump-administrations-move-to-end-subsidies-for-medicare-drug-plans-could-cost-consumers   

I am absolutely appalled at the just announced price increases for United Healthcare coverage. The increase in RX (over 90%) announced during the last open enrollment was enough force me to make a change and now the supplemental health coverage increase (22%) is astounding. As their primary selling agent, you should anticipate my changing to another, more affordable carrier at my first opportunity and hopefully a boatload of others doing the same. Shameful, unjustified, heartless, and ridiculous. Shame on both you and United Healthcare.  

US Senate.gov Finance - Medicare Cost Cap Act Lowering Out-of-Pocket Costs for People with Medicare  These Senators have gotten it written in Bill Format - so it is ready to be introduced. In their own words here (at the link) is what the Medicare Cost Cap Act would do. Per these Senators in the linked article:Background: Currently, Traditional Medicare has no limit on beneficiaries’ out-of-pocket spending, putting them at risk of confronting unlimited health care costs if they face serious illness or hospitalization. Medicare Advantage, employer-sponsored insurance, and insurance bought on the Marketplace all have annual caps on out-of-pocket spending. Americans who choose Traditional Medicare deserve the same protection. According to AARP, “Adding an out-of-pocket spending limit to traditional Medicare, similar to the one that exists for peopleenrolled in MA. This change would not only help protect individuals from the risk of incurring&nb

Before we re-enroll, would like to know AARP's position on the DSA's proposal of Medicare for all?

I'm enrolled in Medicare Easy Pay, so my monthly premium payments are payed by automatic deduction. I still receive, every month, a paper Medicare Premium Bill (CMS-500) which states plainly at the top right corner, "THIS IS NOT A BILL." I thought, okay I'll just go paperless for this billing since I don't need a paper bill which is not a bill, and  can look up the bill on-line if I need to. Besides, receiving this bill every month is problematic on two fronts. It's a security issue, because my medicare ID number, Medicare reminds me needs to be protected to reduce fraud, is printed twice on it and I have to deal with securely destroying it every month. Secondly is an environmental issues because of the waste it unnecessarily generates. I was surprised, when scouring the medicare.gov website, that there was no option for me to go paperless for this bill. I chatted with a chat agent who said, indeed, there is no way to entirely avoid receiving paper bills, but I could opt

One of your legislators introduced this bill in 2025 - but it seems that some seniors are wanting to bring it to life.  Just thought I would let you know about it so you can decide.   It will raise your Medigap rates because of the added risk but how much now and later, I cannot tell you.   Your choices would be to give those under 65 a choice for ALL Medigap plans - currently they only have access to Plan A and Plan D and also give everybody some expanded guaranteed righe like the right for everybody to switch their insurers (believe it is to the same plan) around their birthday for what ever reason - premiums being the leading reason most likely. SUMMARY: Michigan SB0469 - BillTracker  from the link ~ This bill amends Michigan's insurance code to expand protections for individuals seeking Medicare supplement insurance policies (also known as Medigap policies). The bill prohibits insurers from denying, conditioning, or discriminating in pri

I found this to be very interesting.  Yes, all eyes have been on Washington State as their WashingtonCares plan starts to do some paying out - Washington Cares is the 1st state initiative for Long Term Care Insurance. It also sounds like some in the Senate may also be working on some type of LTC plan. KFF Health News - The New Old Age Article - 07/10/2026 - A New Option for Long-Term Care Costs  What do you think of these new ideas in Long Term Care payments for those outside of the Medicaid area.  

Just curious when you guys are going to address and speak to this issue. My guess is many of your members are negatively affected by Advantage plans and more specifically the ones AARP endorses - United healthcare. I am currently living the nightmare of dealing with UHC. Their denial, delay and defend strategies have all been applied to my care which has had a significant negative impact to my care and recovery.  I joined AARP because of your advocacies for seniors. What is currently in the news about the horrors of our healthcare system that are affecting seniors most needs to be talked about.The fact that AARP has been mostly silent on these matters AND endorses the worst offender is a disservice to your members. You lend your respected name, which I know your are paid handsomely for,  at the peril of your members.The exposure and pressure to reform their cruel practices needs more coverage, not just a silent endorsement.Please step up and help us on this issue. R

I have Medicare A and B plus AARP/ United Healthcare plan G in NJ. Is there an option to get a vision rider or is there a separate plane that is recommended for seniors on Medicare?

I am having a colonoscopy this month. My last one was five years ago so I’m not expecting any insurance hassles. I had an upper endoscopy three years ago but I have since developed issues from lung to nasal passages. I’d like to get another endoscopy but I’m wondering if medicare will deny since it has only been three years. Will they even know since I wasn’t in medicare program at the time? Thanks

I would like to know if many of you would give me the approximate age of your PRIMARY CARE Medicare provider - your best guess or you could just say something like   Young (new to primary care) ormiddle age orolder orclose to retirement age.AND Are they a medical doc ? Need as many as possible to respond - to get an idea of what you are seeing in your area as far as on going availability Thank You 

We have discussed this  before here on this board - it is back in the limelight today KFF Health News 06/25/2026 - Legislators To Propose Bill Capping Out-of-Pocket Medicare Costs for Enrollees  Comments or Discussion ?    

 My wife and I switched to UHC this year on a recommendation from a broker who was "helping" us.Over the last few years my coverage with Florida Blue was in jeopardy due to mid-year contracts with our providers and hospital group in our county. My wife had Aetna for several years with no difficulties but was told her existing policy was no longer available in Florida(?).Shortly after agreeing to policies with UHC starting in January this year, we receive letters from our PCP, the hospital group and UHC stating they also are in mid-year contract negotiations and may drop coverage June 1 if not resolved.My first question is "why these companies can negotiate and drop services mid-year while we are locked in Jan through Dec?" I have sent letters to a local congressman on Medical and Health committees requesting a correction to this practice but no replies. Of course, during this period of uncertainty, all reimbursements and customer service were completely stopped and absolutely

I am sure we will get all the same responses as in the past but FYI got our Supplemental Plan G increases for this year in Arizona.  30.08% over last year.  I do not have the plan with the declining discount.  Yes I know I can change and yes I will look.  I am guessing the other are similar now.  So much for affordability.  

Hello: I have not yet started Social Security but am on Medicare (Basic and Part B).  I am new to Medicare by a few months.  I pay my Part B premium on-line (not autopay) via credit card not via Social Security. I believe I have paid my Part B Premium multiple months in advance since I mistakenly didn't wait for bill.  Is there a way to see when my next Part B premium is due (how far in advance I have paid)?  Will paying my Part B Premium in advance by a few months cause any issues or will medicare just apply the premium? Thanks in advance for assistance

 Definitely NOT just AARP/UHC Supplemental plans that are seeing these premium  increases.  KFF Health News - 04/23/2026 - Medigap Premiums Leap, and Consumers Have Few Alternatives  from the link [copy/paste - portions of the article - most of it actually]From an Illinois based broker:  More than 80 of his customers who were enrolled in the same Medicare supplemental plan from the insurer Chubb got hit last August with a 45% increase.  . . . . . In my 49 years of doing biz as a broker, I’ve never seen a premium increase be effective immediately on everyone, instead of on their policy anniversary . . . .  While 45% was an unusually big jump, Jaggi and other brokers say double-digit premium increases for Medicare supplemental, or Medigap, policies are becoming the norm. In the supplemental market, following big increases last year, rates appear to be rising again.  In early 2026 filings with state insurance commissioners f

I have been under the impression that a person insured by a HD-G plan is only liable for the monthly premiums on the HD-G as well as the HD-G annual deductible ($2,950 in 2026), no matter what - even if you get socked with a million-dollar hospital bill in one year. Am I correct? The reason I am asking is a statement I read online, and forgive me for this "copy and paste:" Massive Out-of-Pocket Risk:  If you were to develop a severe, chronic, or critical illness (such as cancer requiring expensive treatments or infusions), you will blow through the High-Deductible G (HD-G) deductible very early in the year. Once you meet it, you then pay 20% coinsurance on all subsequent Medicare-approved services, which can equal thousands of dollars. In other words, isn't the statement about "Massive out-of-pocket risk" above incorrect? Edit to illustrate the rational decision on which to buy (G vs. HD-G): And if your maximum annual outlay ("MOOP") for an HD-G plan is&nb

Without going into a ton of details, here is a quick outline of the problem I'm having with UHC. I have a Dual Complete plan with UHC, and when I first joined UHC in mid-2025, I was able to use my UHC Card to purchase healthy foods.  My wife is currently being treated for stage three breast cancer, and the ability to buy healthy food was a great blessing to us.   However, UHC took this option away from me on January 1st of 2026, and when I called to ask them about it, they told me that I would have to have a form known as the SSBCI Verification Form signed by a doctor, and then they would return healthy food assistance to me.   Last Friday I took the SSBCI Verification Form to a doctor's appointment with me, but when I showed it to the medical assistant, she acted like I showed her a poisonous snake, and she was very adamant that no one at their facility would be willing to sign my form me for me.  I explained to the medical assistant that I

DID YOU KNOW that the At-Home Recovery benefit is still active for anyone holding a Plan G (or PLAN D - not Part D ) purchased before June 1, 2010. It pays up to $1,600/year for short-term help with daily activities like bathing, dressing, and personal care while you're receiving Medicare-covered skilled home health services. Problem is, you might have difficulty finding people that know about it still and thus they kind of think you are crazy - but it is still there.  So IF you have a Plan G Medigap Purchased BEFORE June 1, 2010 then it is within you plan.  Keep up with those policies you never know when you might need to reference it.    

My husband and I have had the AARP Medicare Supplement Plan G plan for LESS than 2 years. He is 18 months in; I'm at 16 months. In that time, we've seen 2 rate increases and the $2.00 incentive to be billed and pay together has disappeared. What's with the money grab by UHC (and AARP)? My premium has gone from $106.64 to 131.69 with an interim hike and his has gone from $122.88 to $159.80 with another increase scheduled for Jan 2026.  The literature we read when we subscribed to this AARP plan was that our rates would not increase, yet here we are. A bait and switch? A lie in the advertising? Which is it? And why separate the bill so we lose that $2 incentive? Really?  You need to take back that $2? I would love a cogent explanation from both AARP and United Healthcare.  Last time i inquired they simply told me that the rate went up because the rate increased. (Kid you not!)  I really would love to know why the rates increase and what we should e

The NAIC (National Association of Insurance Commissioners) does a report on Medigap plans, I believe yearly - this is the last one Issued that I found  - 2024, issued in 2025.NAIC - NAIC NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2024 Medicare Supplement Loss Ratios  For Medigap (Medicare Supplement) plans, a higher Medical Loss Ratio (MLR) means a larger percentage of your premium dollars is going directly toward paying medical claims rather than into the insurer's administrative costs or profits This came from page 5 - a TEN Year Summary Comparison of all plans - 85% is what is legislated for ACA plans to pay out in coverage or they have to send a premium refund.  Of course, there is no such rule for Medigap plans and since this private gap (financial protection) insurance then they have tried to keep the MLR close to 75% or lower to maximize their profits (after their administrative cost has been covered)  But now they are paying out more and

Just for weight loss with no other diagnosed problem like diabetes / C-V disease or sleep apnea?   And should we subsidize the use of such for weight loss to hopefully bring about a healthier America? By subsidize - I mean by Medicare and your premiums.  

A recent announcement from AARP and UnitedHealthcare (UHC) revealed that Medigap Plan G premiums will see a significant increase of 13% starting in July 2024, followed by another 5% hike in January 2025. For many policyholders, this raises critical questions: Why is this happening? What justifies such a substantial increase in such a short period of time? And, perhaps most importantly, is AARP doing enough to protect its members from these types of financial shocks?Let’s break down the factors behind these steep premium increases and explore why this is occurring now. Additionally, we’ll consider whether AARP and UHC are working effectively to contain costs and how this affects the broader Medigap landscape.What’s Causing the Increase in Medigap Plan G Premiums?Rising Healthcare CostsOne of the most significant drivers of premium increases across the board for Medigap plans is the rising cost of healthcare services. As hospitals, doctors, and other medical providers raise their prices