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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 113

A couple of months ago, I had two issues to address--get a new AARP card mailed and a United Healthcare Part D Supplement ID. I went ahead and printed the online card while waiting, which had the same membership number printed on my AARP Chase Visa Rewards credit card, but when the mail arrived I had a new AARP membership number. I called United Healthcare and was informed that my old number was now my Part D Supplement insurance policy number, so I orderwd an ID card for that over the phone. Now I get loads of junk mail asking if I would like to try and qualify for a United Healthcare policy wveryday, but no insurance supplement card to go with the Medicare card I have had since August of 1989.

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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 113

@GailL1 wrote:

 

Keep paying your Plan F premiums on time cause there might be a time in the not so distant future when there will be no more Plan F - you will be grandfathered but no more Medigap Plan F will be offered.  Reason being according to the government is that it is too generous - people need some skin in the game to use their plan wisely.


Gail, when you say "there might be a time in the not so distant future" are you referring to the first-dollar-coveage changes in Medgiap law that happened in the spring of 2015 (effective 2019 I think for new enrollees) or some other possiblity?

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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 113

.Chris, as with any other Medigap plan that is no longer offered, if a person has Plan F now and keeps their premiums paid, they will continue to have the same plan.  It will just be closed to any further enrollment.

 

not being able to change Medigap plans because of medical underwriting or whatever is more of a state issue, that is to say a state insurance regulatory process or rule.  

 

The feds only develop the plans, states set the insurance regulatory rule about how rating and premiums occur.  

* * * * It's Always Something . . . Roseanne Roseannadanna
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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 113

Gail,

Thanks for the heads up about Plan F may be ending.   I had planned to keep the plan, and pay the cost.  Like I said, I have been happy.   Fortunately I have been very healthy and rarely go to the doctor and only take 3 Tier 1 prescriptions, so I am sure they are making money on me.   I do like the security Plan F provides though.   Best of luck to all those who are trying to make sense out of all the plans and options.

 

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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 113

GailL1 wrote:
Keep paying your Plan F premiums on time cause there might be a time in the not so distant future when there will be no more Plan F - you will be grandfathered but no more Medigap Plan F will be offered.  Reason being according to the government is that it is too generous - people need some skin in the game to use their plan wisely.

IMO this idea the government has about Plan F is ridiculous. And to make matter worse, should Plan F become too expensive, the good old government gives no option to a person who can not pass medical underwriting except to stick with it or have no supplement at all (except in certain states which give people better options than the Feds.) My Plan F is getting very expensive but  even if I wanted to change, I could not due to a surgery that I will have to have some time in the next few years. I wrote to my US Senators about the issue of being locked in to a MedSup plan after the first six months on Medicare. One did not reply and the other said thank you for contacting me about the Affordable Care Act. Duh!!! Just reinforces my thinking that Congress does not really understand the workings of Medicare except that it costs a lot.

Chris

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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 113

@Arturistar

 

Keep paying your Plan F premiums on time cause there might be a time in the not so distant future when there will be no more Plan F - you will be grandfathered but no more Medigap Plan F will be offered.  Reason being according to the government is that it is too generous - people need some skin in the game to use their plan wisely.

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

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Message 107 of 113

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 108 of 113

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 109 of 113

".......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 110 of 113

@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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