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

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@GraceA541853  I told the rep that my wife has her insurance card and providers know who she is so at the end of the year we can cancel our insurance and go to another company and have the correct, legal name on her insurance card

 

BEFORE CANCELLING your existing plan make sure you and/or your wife can qualify medically for a new policy.


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

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@sktn77a Medigap policy follows but it is rare if the rate remains the same. Most carriers adjust rates once the policyholder notifies the carrier of their new residence.

 

And FWIW your Part D plan does not follow you to your new residence.


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

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I had a similar situation happen (years ago when I went on soc sec disability at 55). Rather than go through a huge explanation of what I needed to do or why , bottom line I needed to go down directly to a Social Security Office to have them coordinate the name changes with Medicare and therefore having my case worker coordinate everything with an insurance company. Everything went smoothly but took some time with me constantly on the phone with my rep handling my case at social security! But as I said that was years ago . I know within the last number of years due to very very strict laws issued due to protection of privacy of one's health records, extra precautions , sometimes very restrictive , so I can appreciate your pain and stress with trying to change everything . Good luck trying to call anyone at the Social Security or even Medicare as even before the virus thing you could wait online up to an hour! Since your situation sounds even more complex than what I went through years ago, perhaps you need to go in person to the Medicare Admin office explain the entire situation with them, get a claim number and see if They will be able to contact AARP to process the name change. 

 

 

 

 

 

 

 

 

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

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@GraceA541853 

 

Seems to me that they should have used the same supporting documents which were used to change her name with the Social Security Administration for Social Security AND MEDICARE which should have been the Court documents showing the legal name change.

 

Nowhere in your post did I see where there had been communication with Medicare (CMS) on this matter.  When the name was changed on Social Security, it should have been followed thru with a change to Medicare and a new Medicare card issued - from that point the Medicare Advantage plan info would be easy to change with the new Medicare card and the finalized Court documents on the name change.

 

SSA: FAQ - How do I change or correct my name on my Social Security number card? 

 

Medicare.gov - Your Medicare Card 

 

 

 

 

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

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This is a difficult question to answer coming from my wife and myself because thus far we have been pretty healthy. No major physical ills and no medications.

 

We have been AARP United Healthcare Medicare customers since 2011 and have paid them a total of $30,092.41 in premiums during this time. Here is our issue with UHC. After being together for 20 years my wife and I were married in 2013. She kept the married name she was using at the time. This past February my wife decided to change from the name she was using since being in elementary school to her birth name, which meant she needed to correct her name on her social security card, drivers license, investment account, credit cards, checking, and savings accounts. You know, the really important accounts. Lastly, she needed to get her name corrected on the AARP UHC Medicare ID card. They requested I send a copy of our marriage license with a note stated what we wanted her name to be change to for the correction. After a month, I called. The representative said they couldn't locate the information I sent. So I resent a copy of the marriage license, Florida Drivers License, and birth certificate as requested.  Again, didn't hear from them so after a month I called. The rep did find the documents she said, but that the marriage license didn't have the corrected name on it. I told her that was because we were married 7 years ago and my wife recently her name. No, the birth certificate (the Holy Grail for "what is your real name") wasn't good enough, nor the Florida drivers license. What was needed? The rep said we needed to go to the Courthouse and change the name on the marriage license. This was about the time that I lost it. I commented that my wife didn't have a problem signing up for insurance using her nominal name and now that she wishes to change it to her legal name there is a problem? Didn't make a lot of sense to me. Talked to a rep today and she commented that they sent my wife a letter on March 16th stated what they needed. We never received this letter. I checked emails ... nothing received. This rep stated they needed a "document", but I couldn't get what "document" they needed. She said that a passport would do it. So my wife found her passport of twenty years ago with her legal, birthname and married last name. But, no, the rep said it needed to state her present married name. Mind you, the passport was from 20 years ago, and my wife and I were married 7 years ago. 

 

Obviously, this is an outliner. But give me a break. I told the rep that my wife has her insurance card and providers know who she is so at the end of the year we can cancel our insurance and go to another company and have the correct, legal name on her insurance card. Unbelievable.

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

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@alexiss12 wrote:

Also note that all Medicare insurance companies offer the Supplemental plans with very little difference in costs!



Medigap plans can vary in cost greatly - sometimes by your attained age or by your age when you get the supplemental policy.  Cost also vary by state and area of a state. 

 

On the other hand, a lot of Medicare beneficiaries can't afford a Medigap plan.  They are financially wedged between not being able to afford a monthly premium for a supplemental plan (Medigap) to pick up that 20% of their Medicare cost and making or having too much to qualify for dual coverage with Medicare and Medicaid.

 

So they may pick a Medicare Advantage plan that works in their area.

 

Traditional Medicare can deny services.  Have you never had to sign a Medicare ABN in a doctors office?  It actually might mean that if you have [whatever] done, Medicare might not pay for the service and if Medicare doesn't pay, your supplemental won't pay either.

Medicare.gov - Advanced Beneficiary Notice of Noncoverage

 

When something medical is denied by Medicare, the care is usually already done and thus the provider tries to get the beneficiary to pay or if a hospital, it might be covered by Medicare's Bad Debt Fund.

 

Some beneficiary's might file an appeal for coverage- a long process of going back and forth with them about covering something.  Medicare.gov - How do I file an appeal?

I filed one about a specific thing years ago and it took over a year with lots of correspondence, proof and medical info to get it paid.  There are 5 different levels in the Medicare appeals process -

Medicare.gov - Filing an Appeal if you have original Medicare

Kind of like a property tax appeal, it goes from one level to the next if you keep appealing it.  Finally, they did reimburse me - $ 250 - was it worth it in time and energy - NO - it was the principal of the thing, know what I mean.  I usually go down fighting - only had to get to level 3..  Woman Wink

 

There are a few things that have to have prior approval under traditional medicare - durable medical equipment and a few doctor services and of course, traditional Medicare does not cover all care but sometimes the beneficiary finds out about it after the fact - best to check or watch for those ABN's in a doctor office setting. 

 

I haven't checked in a while but at one time in late 2016, Medicare had about 300,000 appeals in process -

 

One of the really BIG areas of appeals is when a beneficiary goes to the ER, doc keeps them but under an "observation status" - not a true "admission".  Then they are sent to a skilled nursing facility without being ever officially admitted to a hospital for 3-consecutives days.

The rule states you need to be admitted as an inpatient for three consecutive days to qualify for a stay in a skilled nursing facility. ... Even if your hospital stay is longer than two midnights, those days cannot be converted to inpatient status after the fact.

So what happens is the SNF is not paid by Medicare.

 

The rule is still there - but in the last few years, the hospital now has to give you some written notice of your status in 24 hours.  Still some people get caught in this debacle cause everybody doesn't understand it or have an advocate present.

 

I've learned to Never say Never and situations change between people.

Medicare.gov - Inpatient or outpatient hospital status affects your costs

 

 

 

 

 

 

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

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Message 7 of 118

I have had AARP supplemental (F) for years and never ever once have been denied Anything, Plus never ever see any biills! Only one time , due to the wrong coding by a doctor's billing dept, was there an issue (but once it was coded correctly it went right thru).

Perhaps an insurance agent needs to discuss the different types of insurance plans as remember Not all supplemental plans are the same, plus the difference in the advanatge plans( which needs prior approvals and won't approve everything!). My suggestiion is if you are a sickly person or one with many health issues the plans F and C are the best as no matter how many hospital stays , urgent care visits or "procedures" you have without any primary care doctor approvals first You never see bills! Yes these plans are more costly but you have the peace of mind of being able to see any doctor, in any state, without the worry of having to pay sometimes thousands after the fact!! 

Also note that all Medicare insurance companies offer the Supplemental plans with very little difference in costs!


@GailL1 wrote:

@JimL612564 wrote:

I have to say it really really is as as bad as the customer reviews say. I just got denied a cardiac stress test that my doctor ordered after I have had a stroke. My doctor said there's nothing he can do about it. That's about as bad as it gets. United Healthcare is endangering my health. I have to sign up with another provider. Their revenues last year were $226.2 billion because of cost saving moves like this. DO NOT SIGN UP FOR UNITED HEALTHCARE!

 

They'll take your money and let you die before they'll give you even basic healthcare.


I'm guessing that you have a Medicare Advantage plan rather than traditional Medicare with a Medigap plan.

 

Just a denial of service is useless to you in assigning where the blame may lie WITHOUT KNOWING THE REASON FOR SUCH A DENIAL.

 

Various test, therapies, treatments, even medications all work together under a diagnosis basis -

Strokes and Heart Attacks are different - bound together by  the overall heading of circulatory system.

Strokes = clot formation in circulatory system > gets to brain

Heart Attack or Heart muscle problem > problem with muscle itself

Could they be linked together, yes, but there would be other signs -

 

Find out WHY any physician recommended medical care is denied regardless of who is doing the denying.  It is the WHY that is important.

 

Once you find out the whatever logic for the denial and still think you are being slighted, you can determine whether or not to file a complaint against a Medicare plan -

Medicare.gov - Filing A complaint About Your Quality of Care

 

 


 

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

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@JimL612564 wrote:

I have to say it really really is as as bad as the customer reviews say. I just got denied a cardiac stress test that my doctor ordered after I have had a stroke. My doctor said there's nothing he can do about it. That's about as bad as it gets. United Healthcare is endangering my health. I have to sign up with another provider. Their revenues last year were $226.2 billion because of cost saving moves like this. DO NOT SIGN UP FOR UNITED HEALTHCARE!

 

They'll take your money and let you die before they'll give you even basic healthcare.


I'm guessing that you have a Medicare Advantage plan rather than traditional Medicare with a Medigap plan.

 

Just a denial of service is useless to you in assigning where the blame may lie WITHOUT KNOWING THE REASON FOR SUCH A DENIAL.

 

Various test, therapies, treatments, even medications all work together under a diagnosis basis -

Strokes and Heart Attacks are different - bound together by  the overall heading of circulatory system.

Strokes = clot formation in circulatory system > gets to brain

Heart Attack or Heart muscle problem > problem with muscle itself

Could they be linked together, yes, but there would be other signs -

 

Find out WHY any physician recommended medical care is denied regardless of who is doing the denying.  It is the WHY that is important.

 

Once you find out the whatever logic for the denial and still think you are being slighted, you can determine whether or not to file a complaint against a Medicare plan -

Medicare.gov - Filing A complaint About Your Quality of Care

 

 

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

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Message 9 of 118

@JimL612564 based on the "denial of a stress test ordered by your doc" it would seem you have an Advantage plan. It is extremely rare for original Medicare to deny a properly coded claim and pre-authorization is not part of the claim process. When Medicare approves the claim your Medigap plan always pays their portion.


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

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@sktn77a AARP endorses products in exchange for remuneration. With insurance products they receive "royalties" (commissions).

 

The organization has no influence over pricing. UHC is a for profit company. Their competitiveness varies by state. Florida, California and Arizona are "hot" (no pun intended) areas for retiring seniors. So their Medigap rate structure is competitive in those states, not so much in other states.

 

 


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