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toodles04
Contributor ⭐
May 26, 2023

Financial Exploitation of a 99 1/2 year old woman on Hospice care, by AARP United Health Care plans

  • May 26, 2023
  • 8 replies
  • 6430 views

I have a long and painful story about my mother, now deceased as of 4/22/2023, who was financially exploited (qualifying as elder abuse) by AARP's United Health Care plans - both supplemental insurance and prescription insurance.  To whom in the system should I address my complaint?  

 

Thank you, 

Dr. Shelley P. Caswell-Moore

    This topic has been closed for replies.

    8 replies

    GailL1
    May 26, 2023

    You have to give details - because I think this is a dangerous claim without giving details.  

     

    Medicare (Part A) covers ALL of Hospice care - with a small copay for meds - like $ 5.00.  In fact, not even a Medigap plan has to pay any for Hospice care since it is covered at 100% rate by Medicare.

    Now it is important to understand exactly what Hospice is - it is a defined coverage item.  Things outside of it, if medically necessary that is covered by Traditional Medicare + Medigap are still covered as long as they don’t relate or conflict to the Hospice coverage.

    Maybe it would help to read up on Medicare Hospice - a few links

     

    Medicare.gov - Hospice Care Coverage

     

    Medicare.gov - Medicare Hospice Benefit

     

    Medicare.gov - How Hospice Works 

    To answer your specific question 

    If the links don’t give you a solution - address your concerns to UHC cause AARP is not involved in the actual insurance - they only sell their branded name for financial support of their programs.  

     

     

    LaDolceVita
    LaDolceVita
    Contributor ⭐⭐⭐
    June 3, 2023

    Hospice can be tricky.  They do not pay for medicines which are not related to the condition for which hospice  is needed.  Also sometimes the person on hospice may need to be hospitalized, during which time they are removed from hospice and later reinstated.  

     

    I switched my mom from Medigap and part D to Medicare Advantage after she was accepted for hospice.   This worked well for her RX and also when she was confined to the hospital for an emergency.  I did have a pretty hefty out of pocket for the hospitalization but saved a great deal on Medigap premiums.

    toodles04Author
    Contributor ⭐
    June 5, 2023

    My mom would never have gone to a hospital, no matter what. She wanted to stay where she was and have comfort care. That is it. She knew she would never again need or want her Part D script insurance for supplemental insurance. She was 99 1/2 and ready to die. 

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