AARP/UHC Medicare Supplimental Insurance Issues with Customer Service and Moving

[bb48826146]

  As anyone with an AARP/UHC Medicare Supplemental plan ("Supplement Plan") originally purchased in one state then moved to another state and been able to either keep their original plan or at least not have to pay more than they would if had started in their new state?   I am moving from one state to another and have had a Supplement Plan for over 2 years.  After being told repeatedly by UHC Customer Service that I would since I had an existing Supplement Plan in a higher cost state and was moving to a lower cost state I could seamlessly move from one to the other and then get the lower premium plan.  That has turned out to be entirely wrong.  I have had to call Customer Service over 12 times to finally get to a knowledgable person.  I have been extremely disappointed with Customer Service.  Anyone else experience something like this?  Thank you 

[dare2bhappy]

I have had so many problems with UHC customer service that I have dropped them and gone with  another supplemental plan.  I found the problem to be not having an agent to speak with.  Now I do.

[GailL1]

@bb48826146 

You can keep the policy but when your address is changed with the Medigap insurer, you will get the rate for the same or close to the same in the new state.  I say close, because sometimes one state may have higher or lower premiums based on something about the policy.  

If the new state has an expanded guaranteed issue period or some other type method where a beneficiary can change Medigap plans at certain times - then those states usually have higher premiums.

But if they are lower premiums for the exact same policy + any added benefits then you should get the lower premiums - assuming that both have the same rating type - Usually AARP/UHC Medigap plans are community rated but I do not know if that is all.

The only way you could really check on this is to get the insurance policy number - not your policy number - the insurance policy may have a state code too and then compare it to the one that is being offered in the state where you are moving.  

It should be the same insurance company name - not just AARP/UHC but the insured by affiliates name like United Healthcare Company of America as compared with the United Healthcare Company.

Then the similarities of the plans,  like do you have a some sort of a discount or if the wellness benefit is included - the plans have to be the same in these regards.

It just isn’t as simple as a (one state) Plan G to (another state) plan G 

The Plan G is gonna be the same in either case cause those are regulated at the Federal level - but outside of that - there could be several differences that would determine the new (state’s) premium.  

Did I make that clear????

[mk9391]

I was moving from one state to another/. online quote said one price and customer service confirmed it. then I get a bill for 35% more and I hadn't even moved yet.  it was to start in jan 2025and they added the new price to the last 2  months of my plan before I even moved.  after spending all day on the phone was told they couldn't stop the auto payment even though it was there error.  and maybe in 45 days they would review the issue.  might or might not get a refund.  

[GailL1]

@mk9391 

I replied to your other post about this same issue -

https://community.aarp.org/t5/Medicare-Insurance/AARP-supplemental-increase/m-p/2581271#M10200