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Valued Social Butterfly

Re: AARP and health insurance for members under age 65????

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Message 1 of 9

jms505 wrote:

I am under 65 and AARP did have health insurance which they aborted when Obamcare was announced.  I protested then to say they need to keep it as other medical plans did stay in effect, at least until the dust setted.  Pres Obama allowed them to after protests of the public and failed online access.

Instead, AARP  just elimimated our group entirely causing those self insured over 50 members to go from $350 to over $600 at that time.  Now I am going from $750 to over $1200 with a $7000 deductible and very limited choices of doctors, no out of state at all meaning I cannot seek a specialist out of state if say I choose to go to Mayo Clinic and I live in Chicago.  It is so bad now that AARP with its strength in Wash needs to speak out.  Do a survey and see how many members are struggling.  This is huge.  AARP is the voice of over 50 and I would like to know what they are doing about this.  And they may suggest $5 copays for those on medicare to alleviate the cost.  This may make some think twice before overusing their benefits.  What is AARP doing to help us over 50 that are self employed? 


WOW, I never knew AARP had a health insurance plan for those less than 65.

In fact, I never knew AARP was an insurer at all since they only allow United Health Care to use their name and marketing ability to secure income from this arrangement.  United Health Care sells Medicare Advantage plans and Medicare Medigap policies bearing the AARP name for those who are on Medicare.  Those are the only ones which I am aware of ever being in existence.

 

What state was this less than 65 year olds eligible plan offered in and what was the name of it?  

 

If if there was such a plan, it did not have to stop - it only had to comply with the Obamacare requirements and write and sell these new policies.  Perhaps they saw the writing on the wall and decided not to take the plunge into Obamacare and just stick with senior policies like MA and Medigap  - NO (usual) loss there.

 

If you are not yet 65 and are healthy and are not getting a tax credit subsidy with an ACA plan, in several states there are non-compliant Obamacare plans still available.  Here's one in Tennessee:

 

STAT News 11/13/2017 - This Insurer Doesn't Play by the ACA Rules because of a Tennessee law.

 

I know those who are NOT getting a tax credit subsidy are feeling the total financial brunt of this mess - premiums have risen for everybody in the individual marketplace but those who get a tax credit subsidy are sheltered by the subsidy - the government is just paying more.

 

If I were in your situation, were healthy and not receiving a tax credit subsidy to lower the payments, I would personally look for other alternatives even if the penalty was assessed but there are lots of exceptions to the penalty.

 

 

 

 

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Re: AARP and health insurance for members under age 65????

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Message 2 of 9

I'm in this category and wish AARP had something to offer us! Self-employed and a healthy 63. Affordable Care Act - that's preposterous! I don't have any major health problems and yet the most "affordable" Obamacare plan premium available to me was $750/mo last year, with a  $3800 deductible plus co-pays for just about everything. My doctors are not in network,  so they were not covered at all!  This year, they just told me they are raising my premium to $1200/mo!!  And next year, my prescription drugs will no longer be covered (which was the one saving grace this year.) The insurance companies are taking advantage of us and AARP is letting it happen. 

 

I do feel abandoned by AARP, like many of the others who are writing here. I am just glad I only have another year and a half to Medicare and hope it will still be there when I turn 65!  But I feel sorry for people in my position who are still in their 50s. Can't imagine what it must be like for people with heart conditions or diabetes!

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Re: AARP and health insurance for members under age 65????

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Message 3 of 9

I am under 65 and AARP did have health insurance which they aborted when Obamcare was announced.  I protested then to say they need to keep it as other medical plans did stay in effect, at least until the dust setted.  Pres Obama allowed them to after protests of the public and failed online access.

Instead, AARP  just elimimated our group entirely causing those self insured over 50 members to go from $350 to over $600 at that time.  Now I am going from $750 to over $1200 with a $7000 deductible and very limited choices of doctors, no out of state at all meaning I cannot seek a specialist out of state if say I choose to go to Mayo Clinic and I live in Chicago.  It is so bad now that AARP with its strength in Wash needs to speak out.  Do a survey and see how many members are struggling.  This is huge.  AARP is the voice of over 50 and I would like to know what they are doing about this.  And they may suggest $5 copays for those on medicare to alleviate the cost.  This may make some think twice before overusing their benefits.  What is AARP doing to help us over 50 that are self employed? 

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Valued Social Butterfly

Re: AARP and health insurance for members under age 65????

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Message 4 of 9

BrighterShade wrote:

AARP membership is available to anyone older than 50, but health benefits are only available for those over age 65 -- seems like a BIG, BIG gap that AARP should do more to address.

 

I'm NOT looking for Medicare because I'm younger than 65 -- and AARP has little to nothing helpful for reducing healthcare costs. For example, no guidance on features to look for in a Healthcare Exchange plan -- unless I missed it.

 

AARP's membership numbers exceed those of many business group plans, yet there's nothing AARP can do to effectively help younger membeers lower their healthcare costs?


They have this tutorial for the ACA exchange but it is not anything that you couldn't find on the Healthcare.gov Exchange site and Healthcare.gov would be more up to date.

http://healthlawanswers.aarp.org/

 

AARP partners with United Healthcare on Medicare coverage - either Medicare Advantage or Medigap but the AARP actually doesn't sell the coverage.  

 

Since the ACA, individual group plans which have compliant services under the ACA are probably hard to find, if any are available.  They don't really get a discount being linked in such a way - not like an employer plans of whatever type.  Once during my self-employed career, I had coverage thru a Chamber of Commerce but this was more like a self-insured plan and premiums increased when a few people in the small group got really sick.  Then another time I had a policy through an association of like occupation members - it went bankrupt.  After those,  I just purchased an individual health plan - mainly through BCBS and just dealt with the premiums or went up on the deductible to control premium cost. 

 

If you can qualify for a tax credit subsidy and don't mind the narrow networks. the ACA is the place to go.

 

If you don't qualify for a tax credit subsidy and/or want a wider network, then you have to buy a policy either on or off the exchange to get compliant coverage. 

 

You can buy an ACA Catastrophic plan if you apply for an exemption via Healthcare.gov and receive it.

 

If you want to try some other way, this link might help but some of these are NON-compliant to the ACA, so run the numbers cause the penalty will be assessed.

Health Insurance.org - 10/14/2016 - Escaping the crush of premium increases

 

Sorry, that's all I got !     Good Luck !

 

 

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Re: AARP and health insurance for members under age 65????

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Message 5 of 9

AARP membership is available to anyone older than 50, but health benefits are only available for those over age 65 -- seems like a BIG, BIG gap that AARP should do more to address.

 

I'm NOT looking for Medicare because I'm younger than 65 -- and AARP has little to nothing helpful for reducing healthcare costs. For example, no guidance on features to look for in a Healthcare Exchange plan -- unless I missed it.

 

AARP's membership numbers exceed those of many business group plans, yet there's nothing AARP can do to effectively help younger membeers lower their healthcare costs?

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Valued Social Butterfly

Re: AARP and health insurance for members under age 65????

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Message 6 of 9

c721357s wrote:

That's what I was hoping to find: affordable health insurance for those of us who are not Medicare eligible. I saw something on AARP website that said AARP did have affordable health insurance but can't find anything. Why isn't there something? With AARP's huge membership, you'd think we could get some type of group discount.


Since AARP is a membership of older Americans, and since individual health insurance is allowed by law to charge more based on age, you would NOT get a very good rate with this particular group.

 

Go to Healthcare.gov and begin your search unless you live in one of the states that have their own health insurance exchange, then go to their site.

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Re: AARP and health insurance for members under age 65????

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Message 7 of 9

That's what I was hoping to find: affordable health insurance for those of us who are not Medicare eligible. I saw something on AARP website that said AARP did have affordable health insurance but can't find anything. Why isn't there something? With AARP's huge membership, you'd think we could get some type of group discount.

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Valued Social Butterfly

Re: AARP and health insurance for members under age 65????

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Message 8 of 9

BrighterShade wrote:

Am I missing something or does AARP truly have few health insurance options for members who are too young for Medicare?

 

All I can find is Delta Dental and Rx discounts through UnitedHealthcare's Optum . . .


BrighterShade,  are you under Medicare because of a disability? 

OR Are you just looking for an individual health insurance policy?

 

AARP only partners with United Health Care on their Medicare policies - either as a Medicare Advantage plan or as a Medicare supplemental policy (Medigap).  If you aren't on Medicare, there isn't any help here.

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AARP and health insurance for members under age 65????

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Message 9 of 9

Am I missing something or does AARP truly have few health insurance options for members who are too young for Medicare?

 

All I can find is Delta Dental and Rx discounts through UnitedHealthcare's Optum . . .

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