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

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Message 101 of 107

I am a 69 year old female and live in Ohio.  I have been on the United Healthcare Supplelmental Plan F insurance since I turned 65.   I have been completely happy with the plan and have not had any problems what so ever.   I like the plan because there is no paperwork involved, I can go to any doctor and hospital I want without any referrals, the customer service has been good, my doctors always get paid with no problems, and it is the most convenient of all the plans.  I have my monthly insurance fee paid electronically, so I rarely need to give my medical insurance a second thought.     I suggest you read all the information regarding all plans to educate yourself on making the best choice for you.  Their website provides lot of useful information and comparison charts.   The Supplemental Plan F is probably the most expensive, but I feel it is worth it for all the options and convenience factors.   I cannot respond to problems others have had -- this feedback is only based upon my own experience for the past 4 years.  

Good luck to you. 

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

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Message 102 of 107

Am really loving this AARP new software 

 

Apparently if you write the official USPS abbreviation for the state of Arizona it becomes   -

 

** B L E E P **

 

S T U P I D ,     S T U P I D,     S T U P I D   

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

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Message 103 of 107

".......It is a supplement by their definition... they say that they allow you to choose your own physician if the accept medicare.  Do I need to subscribe to medicare Part B as well as this medicare supplement? "

__________________________________________________________________

 

No offense meant,   Hassiman, but your knowledge of Medicare seems quite shaky.    At least based on that last question you posed. 

 

Yes,  you have to be enrolled in both Medicare Part A and Part B. (paying the monthly premiums for Part B I mean)  

 

  This is true whether you are on Original Medicare with a Supplement (Medigap) or if you decide to enroll in Part C (Medicare Advantage)

You still have to pay (or have your state pay if you are poor enough) the monthly Part B premium.   Currently $104.90 for most people;  higher for higher income people. 

 

In Calif you have the state protection of what is called the "Birthday Rule".   If you move to **bleep** you will lose that.

 

Slick UHC reps love to tout the "Birthday Rule" to Calif customers in the rather disingenuous way of making it sound as tho it is a company rule (AARP endorsed UnitedHealth Care) rather than a state-specific reg exclusive to Calif.    The state of Oregon has something similar,  but not technically the same,  and is not named the "Birthday Rule".

 

So,  tread very carefully when making this move.  Research,   research,  and research again Arizona Medigap premiums.   You might be in for an unpleasant surprise,  as in another recent thread,  a UHC customer was led down the garden path by greedy and unscrupulous reps when making a move from Connecticut to Florida.  

 

Be careful !  And,  please,  do some homework in the meantime and bone up on Medicare and how the various parts work.  You seem to be very much in the,  er,   dark here on the fine points.

 

Lack of knowledge can hurt -  some mistakes cannot be "undone"      

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

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Message 104 of 107

@Hassiman wrote:

Thanks.... It is totally confusing which is why I decided posting a question on the AARP forum might get me some clarity. Given your reply how exactly would you define the plans AARP/United Health Care offer:

 

https://www.aarpmedicaresupplement.com/medicare-insurance/find-a-plan-download.html

 

It is a supplement by their definition... they say that they allow you to choose your own physician if the accept medicare.  Do I need to subscribe to medicare Part B as well as this medicare supplement? I believe that "Medicare Advantage" plans are far more limiting... and may not be portable should one move to another state.  Is that not correct?


The plans at the link you provided are private Medigap plans as described by Gail in her response to you in the second comment on this thread.

 

Medicare Advantage plans are both more limited and less limited. They are mostly HMOs and PPOs so the providers are limited to whomever is in the HMO or PPO. (This has nothing to do with Medicare; that's the way HMOs and PPOs work. Over 100,000,000 people in the U.S. not on Medicare are in HMOs and PPOs.) And you are right they are limited in a way to given counties in the U.S. (but almost every county has some to choose from) just as Medigap plans are limited in a way by state (although some Medigap plans let you take them with you if you legally change your residence). Public Part C Medicare Advantage plans are less limited in that they typically cover more services than and cost less (even though they have co-pays) than the combination of Original Medicare and a Medigap plan and all have an annual out of pocket spend limit (most Medigap plans do not)

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

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Message 105 of 107

Thanks.... It is totally confusing which is why I decided posting a question on the AARP forum might get me some clarity.

 

 Given your reply how exactly would you define the plans AARP/United Health Care offer:

 

https://www.aarpmedicaresupplement.com/medicare-insurance/find-a-plan-download.html

 

It is a supplement by their definition... they say that they allow you to choose your own physician if the accept medicare.  Do I need to subscribe to medicare Part B as well as this medicare supplement?

 

I believe that "Medicare Advantage" plans are far more limiting... and may not be portable should one move to another state.  Is that not correct?

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

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Message 106 of 107

Hassiman,

After reading your comments and those on that consumer affairs board that you linked, I can see that there is a good bit of confusion.

 

I don't know how long you or those commenters have been in the Medicare program but it is made up of many different parts.

 

Your post heading says "supplemental" insurance which is Medigap coverage and there is not too much a private insurer in such a program as Medicare Medigap (supplemental) insurance can do to mess up since each of the plans are strictly defined by their alphabet title and coverage by Medicare although state insurance regulators can watch premiums and how those premiums are set in their state.

 

There is NO formulary medication coverage in a supplemental plan.

The only medications which cover the part that Medicare doesn't pay are the ones described in Medicare Part B or as described if you are hospitalized or institutionalized for recooperation for a period of time.

 

Normally with traditional Medicare, you buy a supplemental policy to augment it and then based on your medication needs, you buy a separate Medicare D policy.

 

Of course, seniors also have the choice of participating in Medicare Part C or s Medicare Advantage plan instead of participation in traditional Medicare, a supplemental policy and a prescription drug plan. 

 

Within a Medicare Advantage Plan the private insurer has some leeway as to the plan design but must still cover basically the same things as Medicare.  No Medigap or supplemental policy is needed with a Medicar Advantage plan.  Prescription Drug coverage may or may not be included in the Medicare Advantage plan as well as some other perks which may also be included in these Medicare Advantage (private insurer) plans.

 

Everybody has to pick and choose the type of Medicare which is best for them in coverage and in price.

 

some of the people responding on that consumer affairs site also seem to be confused.

 

I suggest that you begin reading everything on Medicare.gov for clearer understanding and what type Medicare Plans are best for you and your health needs.

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Is AARP United Healthcare Medicare supplimental insurance as bad as the customer reviews say??

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Message 107 of 107

Hi,
AARP's Medicare Supplemental Medicare Insurance sounds great... but I decided that before I purchase it I should read the reviews.

I was astounded!

 

Consumer affairs reviews were the worst I have EVER seen for any product or service from any company. People were talking about outright misrepresentation of services, copays, non-existent customer service. Representatives simply hanging up on customers, drug formularies not covering many common medications. Increasing co-pays. A litany of misrepresentation and worse.


Now I understand the Internet. You will always find people more willing to badmouth a product or service than to praise it... but I looked for positive reviews and found none...

 

http://www.consumeraffairs.com/insurance/aarp_medicare.html

 

Is it really this bad? If so why does AARP tolerate this if they are, as they claim, an organization that exists to promote the best interests of senior citizens?

 

Have I simply been looking for reviews of AARP United Healthcare supplemental insurance in the wrong places?

 

Can anyone here describe their own experience with this insurance? I live in California... but will be moving to Arizona...

 

If not AARP/UHC insurance, can anyone here recommend a company for Medicare supplemental insurance with which they have had a positive experience?

 

Thanks

 

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