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

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Message 21 of 33
I couldn't have said it better ellenb640249. GaiL1, I DO NOT qualify for a subsidy, I am a stay at home caregiver & I have a pre-existing condition that keeps me from getting private insurance. For private insurance they put the pre-existing clause into it so it forces us to have to buy Obamacare. I called several of those so called brokers & one even hung up on me.

There are enough of us at the 50 - 64 age range that AARP could negotiate a better deal.
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Re: AARP and health insurance for members under age 65????

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Message 22 of 33

GailL1, I guess you must be employed by a corporation or on Medicare already. I am self employed, and very healthy (fit, no cancer history, non-smoker, etc.), but over the years, because I have needed things like hernia surgery and a hysterectomy, and have osteoarthritis, one after another of the private insurance companies has "discontinued" whatever plan I was on. They would not offer me another plan. This is how the insurance companies have gotten around serving our age group. Finally, in 2017, the last private company "discontinued" my health plan. I was clearly told that my only option was Obamacare. My Obamacare premiums are over $900/mo. with a $5600 deductible plus co-pays for everything, and I have nowhere else to go until I turn 65 and can hopefully join Medicare, if it's still there! Count it up -- that's $16,400 out of my pocket before the insurance company will pay for almost anything except my annual physical! Because I am 64, I did not want to risk being without heath insurance even though my self-employment income has decreased this year, so I'm using retirement money to pay for healthcare. Truly, it's criminal!

 

Why would a plan with AARP cost less? Because they could combine all of us 55-64 yr. olds who are self-employed, care givers, or otherwise employed in situations where they do not receive insurance coverage, and negotiate a reasonable group rate with the insurance companies, which could be at least as good as a corporate rate. The insurance companies basically screw individuals.

 

I hope this clarifies for you. Obviously, from the responses to my original post, I am not alone in feeling that AARP has abandoned us in this age group in terms of health care.  I hope someone from the AARP is listening out there!

 

 

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

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Message 23 of 33

@m724960q

 

I am confused by your post - 

 

Obamacare was created primarily to help those who needed coverage in the individual marketplace, perhaps had a pre-existing condition, and made between 138% - 400% of the Federal Poverty level.

 

If your family modified adjusted gross income (MAGI) is between 138% - 400% of the Federal Poverty level you would have you premiums subsidized by the government for plans offered on the Exchange.

 

Now if your family MAGI is more than 400% of the FPL, the Obamacare plans without a subside are gonna be high - but there maybe some alternatives for you - check with a health insurance broker in your area for plans now offered OFF the Exchange - there are more and more alternatives coming onboard for those outside the "subsidy" group.

 

Even if AARP had just a plan affiliated with some large insurer, why would you think premiums would be any cheaper?

 

 

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 24 of 33

I also fall into the catagory of over 50, but under 65. I am a 54 year old women who has had to give up her career in order to care for my disabled husband fulltime. The only health issue I have is a thyroid problem which is very much under control, other than that I am perfectly healthy, post-menpasual. I can't find private insurance because I have a pre-existing condition with the thyroid problem which a majority of people in the US have the exact same issue, so my only recourse is healthcare.gov, which is rediculously high.

 

For what I pay in premuims & as healthy as I am I would be better off to forgo the insurance. The only reason I don't is because if something did happen to me I don't get the discounts the insurance companies get & the hospitals would make me pay the full amount. Example: if I went to the emergency room & stayed just a few hours I would get charged approximately $20,000, plus doctors fees of about $400, plus any labs or x-rays guessing $300, plus anything else they decide to bill me for. The insurance company has discounts with these places & instead of $20,000, you only pay $3,000 for the ER hospital portion, but if I don't have insurance then the facility charges me the full $20,000 & will refuse any discount, that is rediculous as well. But since it is reaching the point where I'm paying $12,000 plus a year on health insurance & since I don't go to ER expect maybe once every 5 years then I would end up saving money in the long run to go without insurance.

 

I feel abandoned by AARP regarding this issue. They take my money to belong but do nothing to help those of use 50 - 64. In order for me to work I have to pay someone to watch my husband & at 54 I can no longer get a job that pays me more than I would have to pay out for his care because it must be done by a skilled person. I can't get decent health insurance any longer. I am one of the many abandoned. The young kids have a big mouth & cry "take care of us", the over 65 have earned their care, but those of us in that 15 year gap bear the brunt of this. We are paying more & more & more. AARP if you take money from those of us 50 & up you also need to fight for us. If I don't see some help soon then I don't see any reason to continue paying for a membership that does nothing to help me. I realize you're not an insurance company but you have people paying you for your help & your letting us down.

 

As stated before I am a fulltime caregiver, which the insurance companies, our government & quite frankly everyone expects from me as it is my husband who was in the accident & needs care. I love my husband & love being able to care for him, but I am losing out on health insurance & other benefits because of it. I joined AARP hoping they would help be an advocated for me as I don't have the time to be one because I am too busy caring for my husband. I feel you have taken my money & offered nothing to help me in return. I don't see myself paying to join again as you don't do anything to help me.

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

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Message 25 of 33

@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.

 

 

 

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 26 of 33

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 27 of 33

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

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Message 28 of 33

@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 !

 

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 29 of 33

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

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Message 30 of 33

@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.

* * * * It's Always Something . . . Roseanne Roseannadanna
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