Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

Robert, you are basically correct that all the commercial Medicare Supplemental plans are basically the same. Since I have had to have a supplemental plan since I turned 57 due to being disabled (therefore with AARP Medicare Supplemental for 17 years ) I can attest that My coverage is very good. Note: what I did find out from moving from NJ - to PA and now to Florida each state appears to calculate rates differently Plus some customer service experiences over the years have not been very good But for ME in general I have found that my bills get paid quickly, never denied. And yes you are also correct that AARP does push users into strongly suggesting their vendors ie phones, auto insurance, etc dental (note I never use the dental since I found those listed as in the network were terribel So one needs to be a savvy But one small thing is some of the negative reviews listed regarding the insurance is not for the AARP supplemental but rather the Advantage which is totally different  (yes a lot cheaper but much more restrictive)

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@Robert0B wrote:

  If You question practices or attitudes you will get 1,000 emails pointing about your mistake.  With that said, it is important you know that there is NO....ZERO... advocacy or advantage/benefit to using AARP vs any other commercially available coverage.  Also, this is not a not for profit org in the truest sense of the word...they return nothing material back to the members directly so the billion they rake in from the carriers they recommend do not make your life better as mar as your medical.  There is also influence from AARP on the medicare operations and the claim reviewers they contract out to.  So AARP is very much a part of the "deny, deny, deny they won't appeal" sector and nothing in their writings or relationships or advocacy or politics is of any effect on that being an issue.

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When you are in a guaranteed issue period, like right after you turn 65, there is no underwriting BUT that being said, if you are passed that period EVERY Supplement carrier, not just UHC will put you through underwriting and you get the quote ONLY if you pass underwriting.  Was that not explained to you when you got the quote?  UHC does insure people that, in some cases, would be denied coverage by other carriers but you will be rated up and pay more.  EVERY supplement carrier does this.  Once you have to be underwritten, you will either be accepted, be accepted at a higher premium or you will be declined.  We have had UHC for 18 years with bills running as high as $97,000 a month and all bills were paid promptly with never a decline.  Be careful.  When people complain about their "supplement" not covering, they often do not understand that they really have an Advantage plan not a supplement...very different.