UHC Plan G Rate Increase

@LindaR351060 

It goes up for a couple of reasons - in fact, you could get (2) a year.

Since this one is coming on your 1 year anniversary then it is probably that your declining discount is going down - read your plan it should say how the declining discounts work as to how much and when.

Then there is medical inflation, risk adjustment and everybody’s usage in the plan.  The insurer has to cover all the usage and keep their reserve per state law.  This is applicable to any Medigap plan under any insurer.  

Depending on the state where you live, there may be an additional guaranteed issue date for you to switch without underwriting.  But that depends on your state - 

However, for those with this option, the premiums are higher because they are allowing people with higher risk to switch to another plan.

So yes, If you have the AARP/UHC Plan G with the declining discount then it will go up every year when you lose a portion of the discount for whatever length of period.  

The G+ indicates that you have extra wellness benefits in your plan.  Understand that these “extras” are not a part of the Federal coverage requirements of a Medigap Plan G - and most likely these could go away as fast as they came - ready your policy.

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@LindaR351060 wrote:

 I thought AARP was supposed to watch out for seniors but am starting to think it is a scam.

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What is the nature of the scam?

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@LindaR351060 wrote:

 I will be 68 in June with no chronic health issues.

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If you're healthy, then you'll have no problem switching supplements.  You'll have to undergo medical underwriting (if you're in a state that allows it), but healthy people never fail.  And you can change supplements at any time of the year--"open enrollment" periods have nothing to do with supplements.

Go to the plan finder at medicare.gov to search for Medigap policies to see what all the supplements available to you cost, and pick one of those if you like it better than what you have now.  Or contact an independent broker to do the work for you, but be aware that not all brokers sell supplements from every company, and that doesn't make them a scam.

Also be aware that if the "+" you mentioned is wellness extras, most supplements don't offer those.  And UHC is the only one that offers Renew Active gym benefits, specifically.  There are a couple of other types of gym benefit plans that a limited number of other supplements include, but I like Renew Active the best for my situation.  Your mileage may vary.

I am experiencing the same thing. An increase of almost $360 per year in premiums   This is just ridiculous and AARP should be held accountable just as much as UHC. How can AARP endorse such a company that has a tarnished reputation and sky high premium increases? Makes me wonder why I would take AARPs advice or recommendation on anything. Unless something favorable happens soon, with AARP raising their membership fees coupled with UHC’s absurd premium increase, I won’t be doing business with either. Tell me again, who bases their entire company reputation looking out for seniors?

AARP is not very helpful or worthwhile.  You do pay a small premium to be a member, but in turn, the benefits are small.  Sign up for one year to enable you to purchase the Medicare Supplement you desire, then do not renew the AARP membership.  With UHC Supplement Plan G, AARP receives a 4.9% kickback from UHC for each policy each year. I will let my AARP membership lapse and never look back.  They have lost their mission.  

My first year Plan G UHC Supplement rate in California was $135 and was raised for the upcoming year (June of 2025) to increase to $182.  UHC claims the next increase should be about 10% or less and that way forward.  

Calling AARP to obtain any information is a frustrating, neverending nightmare, hence, I will no longer be a member.  UHC provided me with the details I inquired about in one call, AARP, 5 calls and no information provided.

You have a declining discount. You are one of the lucky ones. Your discount goes through age 85 (anyone who turned 65 in the lst counle of years - think it was 2022 and forward - I am too lazy to go look it up). Mine goes through age 75 and then I'll be paying far more than you will be paying at 75. We don't be paying the same until we are both 86.

As UHC is a community rated risk plan rather than age attained, as we get older we will be paying less than if we were in an age attained (or age signed up) risk pool. Our risk pool is people of all ages. Age attained, your risk pool is only people your same age. As people get older their health care costs usually go up dramatically. In a community risk pool the risk of older people is spread over the risk of all. The discounts you get when younger helps keep your costs lower when you are younger (so the max price one pays when out of discounts ends up a bit higher but still not nearly as high as an age  attained rate when older).

I just got my rate increase for 2025 starting in June in AZ and it's 19% following 12.7 last year.  This is crazy.