AARP supplemental increase

[mk9391]

I have been with united healthcare for many many years..never had a problem until now.  I am moving to a different state in 2025 so to be proactive, I called to let them know.  was told my new rate would be 133 from the 120 i am paying now.  I get a bill saying that as of oct my new rate is 185.  so I now owe 246.50.  I called and was told because as of oct I had moved.  no no no. as of jan 1 2025 is when I move.  and why was my new rate 185 when is was told 133.  opps. someone gave me wrong info and also made a mistake on my move.  when I called and had to talk to 4 different departments was finally told they could not correct the error and that they would put in a request that would take approximately 45 days.  what!! and even then they might not approve it.  it was their error and they might not give me my money back?? and the rate increase..well because I have been with them so long, I lose my loyalty

discount.  the longer you are with them, the more you pay.  makes no sense.  so i am done with united health 

[GailL1]

Read this

AARP.org updated 03/07/2024 - What happens to my Medicare coverage if I move to another state? 

Go down the page and it specifically covers a Medigap plan (Medicare Supplemental policy).

copied and pasted from the above link ~

What happens to my Medigap when I move?

You usually don’t have to switch Medigap plans if you move, but you should notify the insurer of your new address. Some insurers let you keep the rate based on the state where you originally applied for Medigap. Others may change your premiums to coincide with their coverage in a different ZIP code.

Medigap consumer protections vary from state to state, so you may have additional options depending on where you move. For example, Connecticut, Massachusetts and New York allow you to buy a Medigap policy anytime regardless of your health.

One caveat: Insurers in most states can reject you or charge more because of preexisting conditions unless you qualify for guaranteed issue rights to buy specific Medigap policies. You could qualify if your insurer ceases doing business or if you move out of a Medicare Advantage plan’s service area and decide to switch to original Medicare, for example.

If you already have a Medigap policy, insurers in most states aren’t required to offer you a new one just because you move. If you choose to apply for a new policy, you’ll probably have to answer health questions.

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If you would like to share what states are involved in your move:  FROM which TO which - then I can let you know if there are any GI considerations at the state level that would help you or harm you as to premium cost in the new state.

Yes, the longer one is with a Medigap plan, the more you pay - cost rise with the use of the plan (not just your use, everybody’s use), if you are getting one of the AARP/UHC Medigap discounts, it could be a declining discount so each year for a certain number of years the discount is lowered.  

Premiums for Medigap policies are based on (1) your location (2) the rating methods of the plan - community rated, issue age or attained age.  Most AARP/UHC Supplemental plans are community rated.  They are also based on risk factors - so if the new state has extended any guaranteed issue benefits above what the Fed requires, then premiums are higher in those states because of the increase in risk factor of eliminating underwriting. 

In your current situation, It sounds like you talked to a customer service person rather than an actual agent for a AARP/UHC Supplemental Plan - they would be the one that could give you the actual premium cost in the new state because you are only moving not establishing a new policy in the new state.  

To straighten out the premiums because of this misunderstanding - if the premiums are automatically deducted from your bank account, you can stop this by notifying your bank.  Or you can make sure they remain at the current level until you move with your bank and notify AARP/UHC of your official move date for correction - I would do this by phone and also in writing.

To know what is gonna happen to your premiums, when you talk to a AARP/UHC agent, you need to tell them exactly the plan that you have now in your current state - You should have the Explanation of Coverage [EOC] and it should give you your account number but also the UHC specific affiliate name that has this policy and the specific policy number of the plan - not your policy number, the plans policy number, meaning how it is registered in your state.  It is probably on the last page of your EOC and it will probably have a state abbreviation within it.

They will compare this policy coverage - all of it, including any extra benefits or applicable discounts - to the one that is the most compatible at the new location, including any specific state rules in the new state.  This will determine if your premiums will go up, stay the same or [maybe] be reduced -

Good Luck