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

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Message 1 of 105

@DianaL174626

 

Diana, after reading your post I have determined that you need some specialized help to

1.   explain the various ways which you can get your Medicare benefits - Traditional Medicare with or without a Medicare Supplemental plan OR a Medicare Advantage plan

2.  from that point, they should be able to take your specific information and circumstances and make sure you have what you need, including, depending upon which way you are getting your benefit, a list of doctors that take that type of coverage.

3.  You also need to make sure that the benefit that you have is the best one for you now and/or if you should change to something else at open enrollment or when you turn 65, since I believe you said you are younger than that now.

 

From the way you are describing your AARP UHC plan - it sounds like a Medicare Advantage Plan which does work with networks of doctors. 

 

Most States have a volunteer counselor program under their SHIP program (State Health Insurance Assistance Program).  They are suppose to be well versed in Medicare and all its options and choices. 

 

Here is how you can find one in your state because I believe you need help in your understanding of your current coverage - understanding it should help with using it.  Or maybe you need another option when and if available..

Medicare.gov - State Health Insurance Assistance Programs (SHIPs) - Find Your State Contact

 

Do you have anybody assigned with Medicare that can act on your behalf with Medicare - they would help you understand your options based on your specific needs.  They would help you pick what is best for you.  Ask you SHIP couselor about how you could find or pick someone to help you and the paperwork you need to complete with Medicare for them to talk to Medicare about your benefits or you Medicare Advantage plan provider or even agent.

 

 

 

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

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Message 2 of 105

If your husband lost his job, he should be able to go onto Cobra, which lasts for up to 18 months! That is what I did when I went on disability at 57. I paid a higher premium but was covered for the 18 months and then went on the AARP United Healthcare Supplemental. I decided to go onto plan C which is pretty good like F where you can use any doctor who accepts Medicare. (Plan F pays a little more if the doctor charges over what is customary whereas with plan C one Can be charged the difference, but that never happened to me at all and I had the plan C for almost 7 year years until I went onto Medciare at 65). The Advantage Plans ypu appear to be suggesting are mostly all like HMO where you are forced to go in network (or pay higher co pays)Basically you should check out Cobra first, then if for some reason your husband can't get Cobra(although he should be able to for the both of you), then ask AARP reps (I did mine over the phone) to explain the differences in the Advantage verses Supplemental Insurances :if you have other questions

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

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Message 3 of 105

I have AARP United healthcare and am afraid to go to a specialist. My Rheumatologist was also my primary for over 15 years but I had to find a new primary because I can't afford the high copays of being out of network. Speaking over the phone with United healthcare, once I was told my doctor was in network while my doctor let me know he wasn't and when calling uhc again I was inform that he was only in network at my specialist yet when i try to look him up to be sure I'm not able to find him at all. So I had to find a new primary and still see my Rheumatologist. But now he wants to send me to a surgeon for a turn meniscus that hasn't healed within 8 months but I decided to try and live with it because the surgeon is also out of network and I'm afraid to even ask if that's what i did to my ankle too? AND ... That sales agent that came to my house to sell me this policy has trouble finding him but managed to after a while of looking. I now how he found him now. And the agent told me that I couldn't get on plan F because I was under 65. My husband lost his job due to company closed and I had no choice but to get a supplemental. A few days later I decided to call Medicare and they told me I did qualify since I had just lost my private health insurance and had been on disability. I called and left messages with the agent and even spoke with AARP United healthcare and they refused to change the policy or even try to send the application through. They refused my eyedrops for severe dry eye caused by radiation treatment to my brain tumor causing me to develop psoriasis on the white of my eye on which my eye doctor informed me is going to cause me to go blind. Choose very carefully and study up on the different groups.

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

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Message 4 of 105
PS ; This is excerpt from link below

The first bill is for a patient who spent two days in the hospital, and has private insurance (a Medicare advantage program). Let’s see how the numbers add up. In the bottom right corner is the Account Summary. From the first line, you can see that the total bill came to $21,274.49, or about $10,000/day for two days. (The services leading to that cost are on the left: a couple of $2,500 CAT scans, a $4,400 ER charge, etc.)

On the next line is the amount the insurance company paid: $2,052.95—just less than 10% of the total due! Ouch! Doesn’t that leave the patient on the hook for the remaining $19,172.54 (still about $10,000/day, which would be a little hard on most of us)? No, because the next line is the insurance Adjustment, which is the amount that the insurance company miraculously convinces the hospital to forgive. In the end, the hospital charges twenty-one thousand dollars, the insurance company pays two thousand dollars, the patient pays fifty dollars (that’s right, just $50) and the rest just goes away.

http://truecostofhealthcare.org/hospitalization/
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Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

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Message 5 of 105

Stop scaring others with your lack of understanding or is it  you are an Insurance sales person?Let someone show proof that Medicare payed these grossly over priced bills when the conditions and Surgery mentioned don't warrant price Insurance and Medicare pay for those services. If you never saw a Bill how do you know what Medicare actually paid? Please research how all this billing works before you scare your fellow seniors into paying there needed income on large  premiums[ maybe unessasaraly] and keeping Insurance Industry Filthy rich. I am not saying if it's afforable for someone and they just want security of never paying anything ever fine go for it. But knowledge is Power AND finding out the reality of 'What is Billed and What is actually paid' is something that needs to come to light so we can all make a Educated not Fear based decision

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

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Message 6 of 105

So us the bill.[I know better] If you check your Medicare the Hospital may have Billed 100k, like I said they Grossly over Bill but check what Medicare actually paid and that is what Medigap pays 20% on. Again its not what is billed it is what Insuance pays. Most people don't get this and Hospitals and Insurance companys like it that way. All Insurance Sales is based in FEAR. So again show us where the Insurance [Medicare and Supplement] actually paid 100k total NOT the Bill from Hospital and Doctor. You can find out what I am talking about with minimul research [most don't bother] also you can find out what Medicare actually on your Medicare Page online and Medigap claims page.

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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 105

Not true as a total shoulder replacement like the one I had where I was in surgery for hours ran over $100,000 and I am not talking for medications. This was very spcialized surgery which is becoming more and more common. This wasn't a car accident but where I simply feel in my house onto my shoulder and totally broke it! Yet thanks to plan F I never saw one bill at all!!!I I am very very happy with Plan F and when we travel I have seen other doctors Nationwide and always get great service and No Bills!

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

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Message 8 of 105

Your can consider herself lucky as snce I have had plan F I have been in the hospital 3 times (ovenight) for fainting spells, suffered a total broken arm with over $100,000 worth of hosptial bills and Never ( Say Never) saw one bill!!! The stays in the hospitals were over $7,000 each time and I am only 68 years old!! Plan F is great but for others there is also a plan G that is a little cheaper but doesn't cover a basic Medicare deductble (where F does)

Now not all states provide the discount at 65 and then the upcharges as noted for 10 years. I know NJ and PA do but some other states just have flat rates depending on your age, so that is something one needs to consider as to where they live.

Yes there are cheaper plans but yes they are All Federally governed with similar rates nationwide. But the beauty is that you can go to any doctor or hospital that accepts Medicare Nationwide and into Canada whreas much much cheaper plans like Medciare Advantage plans have networks regionally (like HMO's) and are very very very expensive if you go out of the network or need to travel and get sick!

 

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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 105
There are not many Hospital Surgery Stays that will cost Insurance Company or Medicare 100k. Hospitals grossly over bill [$25.00 for Advil Etc.] so as not to miss out on anything and get Max out of Medicare or Ins. Co. A 100k bill will be reduced between 3k-10k[check it out] out of pocket 600 to 2k for Patient still less than yearly premium for Supplement. A couple could be paying 5000 yearly for Supplement policy premiums. If you just need 'Upkeep' with an occasional problem in 10 years Medigap Policy Might pay 3k to 5k on average total for excess cost after medicare pays but they will have paid 50k in premiums Thats why Insurance Buildingd have Italian Marble Floors in Bathrooms.
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Re: Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

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Message 10 of 105
Supplement Benefits for each letter are Federal Regulated and all the Same. Customer Service can vary but that is it. In my area AARP is 20-30% higher than most plans. AARP also says that their rate is 30% discount at 65. Then it will increase 3% each year for 10 years plus they add yearly 'inflation' rate hikes on top of that. My Mom is paying 200 for AARP plan F at age 75 plus 134 for part B. AARP plan has never paid out more than 500 in any year since she was 65 some years less than 100. It is the drugs that devastate Seniors financially. For AARP plan to pay out more than Premiums in 1 year would take devastating illness or accident and even then maybe only 1 or 2k over premium.
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