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JimG454455
Contributor ⭐
December 10, 2024

United Healthcare

  • December 10, 2024
  • 124 replies
  • 49826 views
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.
 
Regards
Jim Groll

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      MichaelH904998
      Conversationalist ⭐
      June 9, 2026

      Why I moved on this past week.  Look at these increases 76% in total since I started.  This is AZ Medigap with NO declining discount (we would not use those extras).  We went with MedMutual Protect and are back to 286.  People don't be afraid to try another company for Medigap.  This is a G policy and all G policies are the same.  Medical underwriting for us was completely electronic and we were approved within minutes.  If you don't pass well then you are locked in.  But if you do pass, you have other options.   

       

       

       

       

        GailL1
        GailL1
        Community Champion ⭐⭐⭐
        June 10, 2026

        @MichaelH904998 

        Exactly - take control of your own destiny.

        However, I just got off another board with folks complaining about their total Medicare cost - some of them are paying upwards of $ 500 for their Part B due to their IRMAA assessment - another $50 to $ 100 for Drug coverage IRMAA assessment and then Medigap on top of those too .  And if they are married that is times 2 - so about $ 800 each X 2 = $ 1600 a month.  

        Yes, they can afford it but it wasn’t something that they had budgeted - they thought Medicare would be cheaper.

         

        Then we have to be reminded that many who are on SSDI with Medicare are also paying a really heafty premium for their Medigap plan because in most states they have little protection or rights - Medicare does not provide any Medigap for those less than 65 years old - their state has to do it and many states don’t cause it further pushes up the premiums for everybody else. 

        One good thing for them is that when they hit 65 they get a do-over and they get a new initial enrollment period.  However if you are only 39 and disabled or even 58 and disabled . . . . getting to 65 by counting the months seems like a very long time away.

         

        I hope everybody heeds your warning and actions cause Medigap plans premiums are not gonna be coming down - too much usage, risk and inflation.

         

         

         

         

        IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
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          TRL1111
          Community Champion ⭐
          June 11, 2026
          @GailL1 wrote:

          some of them are paying upwards of $ 500 for their Part B due to their IRMAA assessment - another $50 to $ 100 for Drug coverage IRMAA assessment and then Medigap on top of those too .  And if they are married that is times 2 - so about $ 800 each X 2 = $ 1600 a month.  

          Yes, they can afford it but it wasn’t something that they had budgeted - they thought Medicare would be cheaper.


          For some perspective--for that level of IRMAA to be in effect a married couple would have to be making at least $342,000 a year, and up to $410,000.

           

          And it appears to me that the $800 you cited is overstated by $200, because everybody has to pay the Part B premium of $202.90.  The delta due to IRMAA is $324 for Part B plus $60 for Part D, or a total of $384 each.  

           

          Still not insignificant.  Or, to me, anyway.  But I would think a couple with that kind of income would be able to come up with it without a lot of sacrifice, and I guarantee the vast majority of people on Medicare would think it's the best thing ever for them to be subject to IRMAA, never mind the third tier of IRMAA.

           

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