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

I have to say it really really is as as bad as the customer reviews say. I just got denied a cardiac stress test that my doctor ordered after I have had a stroke. My doctor said there's nothing he can do about it. That's about as bad as it gets. United Healthcare is endangering my health. I have to sign up with another provider. Their revenues last year were $226.2 billion because of cost saving moves like this. DO NOT SIGN UP FOR UNITED HEALTHCARE!

They'll take your money and let you die before they'll give you even basic healthcare.

In the wake of perusing your remarks and those on that shopper issues board that you connected, I can see that there is a decent piece of perplexity.

I don't have a clue to what extent you or those analysts have been in the Medicare program however it is comprised of a wide range of parts.

Your post heading says "supplemental" protection which is Medigap inclusion and there isn't a lot of a private back up plan in such a program as Medicare Medigap (supplemental) protection can do to wreck since every one of the plans are carefully characterized by their letters in order title and inclusion by Medicare in spite of the fact that state protection controllers can watch premiums and how those premiums are set in their state.

There is NO model medicine inclusion in a supplemental arrangement.

The main prescriptions which spread the part that Medicare doesn't pay are the ones portrayed in Medicare Part B or as depicted in the event that you are hospitalized or organized for recooperation for a timeframe.

Typically with customary Medicare, you purchase a supplemental strategy to increase it and after that dependent on your medicine needs, you purchase a different Medicare D approach.

Obviously, seniors additionally have the decision of taking an interest in Medicare Part C or s Medicare Advantage plan rather than support in conventional myaarpMedicare, a supplemental approach and a physician recommended tranquilize plan.

Inside a Medicare Advantage Plan the private safety net provider has some space with regards to the arrangement configuration yet should in any case spread fundamentally indistinguishable things from Medicare. No Medigap or supplemental approach is required with a Medicar Advantage plan. Physician recommended Drug inclusion could conceivably be incorporated into the Medicare Advantage plan just as some different advantages which may likewise be incorporated into these Medicare Advantage (private safety net provider) plans.

Everyone needs to pick and pick the kind of Medicare which is best for them in inclusion and in cost.

a portion of the general population reacting on that buyer undertakings site additionally appear to be confounded.

I have AARP United healthcare and am afraid to go to a specialist. My Rheumatologist was also my primary for over 15 years but I had to find a new primary because I can't afford the high copays of being out of network. Speaking over the phone with United healthcare, once I was told my doctor was in network while my doctor let me know he wasn't and when calling uhc again I was inform that he was only in network at my specialist yet when i try to look him up to be sure I'm not able to find him at all. So I had to find a new primary and still see my Rheumatologist. But now he wants to send me to a surgeon for a turn meniscus that hasn't healed within 8 months but I decided to try and live with it because the surgeon is also out of network and I'm afraid to even ask if that's what i did to my ankle too? AND ... That sales agent that came to my house to sell me this policy has trouble finding him but managed to after a while of looking. I now how he found him now. And the agent told me that I couldn't get on plan F because I was under 65. My husband lost his job due to company closed and I had no choice but to get a supplemental. A few days later I decided to call Medicare and they told me I did qualify since I had just lost my private health insurance and had been on disability. I called and left messages with the agent and even spoke with AARP United healthcare and they refused to change the policy or even try to send the application through. They refused my eyedrops for severe dry eye caused by radiation treatment to my brain tumor causing me to develop psoriasis on the white of my eye on which my eye doctor informed me is going to cause me to go blind. Choose very carefully and study up on the different groups.

Every time I come to their website ( https://www.medicare.uhc.com/aarp ) I waste hours only to end up calling on the phone and wasting more time! The new website is even worse! Two days ago I spent hours trying to find a new PCP since I received a letter stating that the current provider has left the practice. The search process simply does not work on this website. No matter what key words I input, I get incorrect information back if any at all. I put in "Lee Physicians Group" (current provider office) and get every doctor with the word "physician" in their profile! Yeah, that is all of them! I select various filters in the search fields but none work. For example: select 'female' but still have males mixed in. Select Fort Myers location but get them all! Put in a physician’s name but get no returns, even though I know they are in the network! UHC (United Health Care) actually selected/appointed a new physician for me automatically, way over in Cape Coral! They actually sent me my new ID card with my new PCP that I did not pick and do not want! I live in Fort Myers. So there are no physicians participating here anymore???

So as usual, yesterday I make the dreaded phone call. Yep, another day off wasted with UHC and still no results! After talking to a UHC rep yesterday for half an hour, and being put on and off of hold several time (they have to research EVERY question or escalate it to someone that may know the answer…), I finally realized she could not provide me with any information whatsoever! She said she could mail me a book with all the physicians listed in it! What!? I told her this is 2018, I am in your website now...just tell me how to access the available network physicians since the search function does not work! She said the website does not provide that. What!? So I cannot use the website to search for a new doctor nor can I access the information within the website. So what is the website for again??? So I asked to speak to a supervisor. After being on hold for a supervisor for 15 minutes, I hung up. This is not a one-time issue; this has become the new norm. Today I decided it was time to change insurance companies. So I have spent another morning on my day off to research other providers only to become so overwhelmed that I felt like giving up! I even sent emails from within the website a couple days ago asking for help and explaining what experience I had in a detailed message. They did not even respond! Fed Up! I suppose I will have to fill in one of those quote request online forms, only to be flooded with phone calls and emails from every agent in Florida! So I decided to put my review out there so others may make an informed decision on which Medicare supplemental insurance plan they place their healthcare needs with.

I don't know about their supplemental insurance, but their complete plan has been a total nightmare for my health, especially my kidneys. Twice, within just a few short months, they refused to approve refills on my hypertension medication I've been taking for years, and forced me to go without it for about 4 weeks total while fighting with my healthcare provider who constantly tried to make it clear I needed my medication to protect my kidneys. (I had CKD Stage 3b at the time of the denial, which may be worse now.) The last lab results showed protein was spilling into my urine. Further damage to my kidneys! Anytime a doctor or his office has to argue and fight with an insurance company about your care, there is a serious problem and the patient is the one who suffers.

I am disappointed with the UNITED HEALTHCARE SUPPLEMENTAL "Cadillac" policy I have---which does not adhere to the supposed standards of AARP.  

---AARP's consumer advice always advocates for you to: "get a proper ID of whom you are speaking with on the phone, a first/last name, before giving out any personal information."

---When you telephone UNITED HEALTHCARE SUPPLEMENTAL to review your account---the person refuses to properly ID themselves, most likely because they do not want to be held accountable or responsible for the information they provide!  Additionally, as their way to cover up and defuse any accountability, you never get to speak with the same person twice.

---Consider that I am paying hundreds of dollars per month for UNITED HEALTHCARE SUPPLEMENTAL---this is not something I'm buying for $9.99!

---In contrast, I had an EXCELLENT experience with THE HARTFORD on my auto/homeowner's insurance in the past two years.  I consider their customer service to be spot on, efficient, courteous, reliable---and all of their representatives do give a proper ID, first/last name for accountability purposes.  (I recommend AARP's programs with THE HARTFORD, because besides very good customer service, they are very cost competitive.)

---With the AARP list of "Member Rights & Responsibilities" UNITED HEALTHCARE SUPPLEMENTAL fails miserably!  

---Their advertising and sales promotion claims: UNITED will pay for bills and claims which basic MEDICARE does not.  Yet, when I recently had a new vaccination for whooping cough, as recommended by my doctor and pharmacy---I was forced to pay $60---on top of my expensive   monthly premiums.  When I telephoned through the process provided on the website---some indifferent clerk with no knowledge simply said:  You have to call MEDICARE.  When I called MEDICARE---another indifferent clerk with no knowledge said:  We don't cover it!  (This was over a half hour sitting on the phone.)

---Why did I have to pay $60 to RITE AID for this immunization, when every month I am paying hundreds to MEDICARE, hundreds to UNITED HEALTHCARE SUPPLEMENTAL, and several hundred a year for my WALGREEN drug plan?

---This whole experience is a NEGATIVE TURN OFF, a source of aggravation.  These companies hope that they can intimidate you and discourage you so you just disappear and do not bother them---and they can pretend that everything is wonderful after taking your money!

MEANWHILE, there is no ability to send direct e-Mails to any leadership executives at AARP like Lawrence Flanagan, President of AARP Services, to let them know what is going on here!  These executives pretend they are so sensitive to your customer service needs---yet other than sending direct mail, paying $7+ for certified mail to make sure it gets there, it is impossible to communicate with these people who run these programs, there is no way to confront them. 

I would be surprised if anyone at AARP actually responds to my complaint here---their process is a joke!

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.

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.

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.

YES! I am on disability and a veteran. I had back surgery last month and the doctor wrote a persription for extended release pain meds. They said they 72 hours to review for authorization and maybe up to 84 hours. I called and talked with them talked with a supervisor he said he was was sorry but they could not help. He told me to go to the ER and see if I can get an emergency supply.  The ER doesn't do that. They really didn't seem to care about anyone or there pain. All because they can take up to 72 hours. They only wanted to change what kind of medicine or the amount you can take in a day. I will be contacting aarp all of my state and federal reps. And possibly camp out in my travel trailer at there Corp office.  I am so angry with there lack of sempathy and care how much suffering a person will go through.  I will not let this go Un answered!