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Valued Social Butterfly

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

6,238 Views
Message 51 of 91

r58721w wrote:

United Healthcare is the worst!

Since just starting Medicare, I was told that Plan F was the best.

However, the perscriptions was a separate plan,, no problem, got that throught them as well.....BIG MISTAKE.

I take only 2 meds,,,Protonix & Zetonna (an inhaler) thats it..

My PC had to stop his work and dedicate time to write why I needed the name brand as other products previously tried never worked and resulred in many hospital visits, The generic does not work, as well...

They finally accepted the doctors orders and decided to pay a portion of this drug, that I have taken for years.

Now we get to the Zetonna, another drug they still refuse to help cover.

My ENT doctor just phoned me, on a Sunday no less, to see if I was all set in getting ths covered,,,,

He was very upset when I told him once again it was denied.

He said this group is nothing but "smoke & mirrors" and he's right/

5 times this man has filled out paperwork and sent it in and still, whoever makes this decision in UHC  to decline this med, better have a doctorate degree,

I think its disgusting that some office worker decides what a patient is in need of.

So right now for this spray I pay 750.00.

I am sorry I ever got involved with UHC and I am very sorry that AARP is involved with them...


I believe that your problem may have less to do with any particular Medicare Part D insurer and more to do with the meds which have been prescribed for you.

 

Since you have decided to stay with Original Medicare (with a supplemental policy to pick up the cost slack), you do have to pick a free standing Medicare Prescription Drug Coverage plan (Part D).

However, you can pick from several different insurance companies that are offering this coverage in your area.

 

Your selection criteria should be based on medicines which you use which are offered on their formulary.  

 

I am not sure that you are gonna find Protonix on a Medicare Part D Insurance plan in brand form since there is an equivalent generic.  Medicare Drug plans would cover the generic of Protonix ( pantoprazole ) - FACT: FDA requires generic drugs to have the same quality and performance as brand name drugs. FDA: Understanding Generic Drugs

 

You will find generics used in the place of brands on many medications and if you really want the brand, then you will have to have your doc ask for the exception as you did and pay the extra cost.

 

GoodRx.com indicates the difference in price in generic vs brand and states that Medicare only covers the generic form.

 

However, you can always check other plans by going through the Medicare Plan Finder (link below) for the brand name to see if any Part D plans do offer these meds on their formulary in brand form.

 

When Open Enrollment opens in the fall of this year, go to this  Medicare site and do personalized search for a better / different Part D plan if there is one, to suite your needs better.

MEDICARE Plan Finder

 

There is a video on the right side of the page if you need to see how to use it.  But here you will be able to list your meds and see what all the companies offering these meds in a Medicare Drug Plan in your area offer - then you can pick the best one for your current needs.  Remember, you can change companies for Part D coverage yearly so it is always good to do a review during the annual open enrollment period.

 

You may want to talk over these meds with your doctor(s) since it is the philosophy of Medicare that Part D plans encourage the use of generics to keep down cost.

 

 

 

 

 

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Info Seeker

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

6,206 Views
Message 52 of 91

United Healthcare is the worst!

Since just starting Medicare, I was told that Plan F was the best.

However, the perscriptions was a separate plan,, no problem, got that throught them as well.....BIG MISTAKE.

I take only 2 meds,,,Protonix & Zetonna (an inhaler) thats it..

My PC had to stop his work and dedicate time to write why I needed the name brand as other products previously tried never worked and resulred in many hospital visits, The generic does not work, as well...

They finally accepted the doctors orders and decided to pay a portion of this drug, that I have taken for years.

Now we get to the Zetonna, another drug they still refuse to help cover.

My ENT doctor just phoned me, on a Sunday no less, to see if I was all set in getting ths covered,,,,

He was very upset when I told him once again it was denied.

He said this group is nothing but "smoke & mirrors" and he's right/

5 times this man has filled out paperwork and sent it in and still, whoever makes this decision in UHC  to decline this med, better have a doctorate degree,

I think its disgusting that some office worker decides what a patient is in need of.

So right now for this spray I pay 750.00.

I am sorry I ever got involved with UHC and I am very sorry that AARP is involved with them...

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Conversationalist

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

6,395 Views
Message 53 of 91

 First, i want to thank you for your service and sacrifice BUT a Medicare Supplement DOES NOT.....REPEAT DOES NOT cover medications.  No Medicare Supplement from any carrier covers medications.  So if your AARP Medicare Supplement does not approve a medication it is because by law, they are not allowed to cover them.  You have to have a Part D plan for your medications and that could be with any carrier and does not have to be with the same carrier as your Medicare Supplement.  Second, heavy pain meds now have new government imposed restrictions on them because of their value as street drugs so yes, they can be more difficult to get and yes, people are suffering because of these federal government imposed restrictions.  Instead of camping out in front of the Medicare SUPPLEMENT office, who has no power to help you, camp out in front of your Congressman or Senators office because that is where the problem lies. 

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Info Seeker

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

6,403 Views
Message 54 of 91

YES! I am on disability and a veteran. I had back surgery last month and the doctor wrote a persription for extended release pain meds. They said they 72 hours to review for authorization and maybe up to 84 hours. I called and talked with them talked with a supervisor he said he was was sorry but they could not help. He told me to go to the ER and see if I can get an emergency supply.  The ER doesn't do that. They really didn't seem to care about anyone or there pain. All because they can take up to 72 hours. They only wanted to change what kind of medicine or the amount you can take in a day. I will be contacting aarp all of my state and federal reps. And possibly camp out in my travel trailer at there Corp office.  I am so angry with there lack of sempathy and care how much suffering a person will go through.  I will not let this go Un answered!

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Valued Social Butterfly

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

6,452 Views
Message 55 of 91

sktn77a wrote:

"Note: State of legal residence is even an issue so make sure you think that through if you intend to or might move later."

 

State of legal residence is only an issue when the policy is first issued.  If you move states thereafter, the policy follows you and is still valid.  This is great for insurers that issue policies in New York (where costs are expensive) and the policy holder moves to West Virginia (where costs are relatively inexpensive) but bad for insurers who issue a policy in West Virginia and the policy holder then moves to New York!  (Not that many people would move from WV to NY!)


Perhaps you did not mean to trivialize this subject with the words "only an issue when the policy is first" written.  But just in case some future reader thinks the word "only" implies that this is no big deal, it is a big deal. If where you live legally when you are first eligible for or sign up for a Medicare supplement is different than where you think you might end up legally residing, you need to think this through because some states have open, continuous sign up with community rating and others have various types of retrictions related to pre-existing conditions and age rating  with and without discounts (or some different mix of these characteristics)

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Bronze Conversationalist

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

6,460 Views
Message 56 of 91

"Note: State of legal residence is even an issue so make sure you think that through if you intend to or might move later."

 

State of legal residence is only an issue when the policy is first issued.  If you move states thereafter, the policy follows you and is still valid.  This is great for insurers that issue policies in New York (where costs are expensive) and the policy holder moves to West Virginia (where costs are relatively inexpensive) but bad for insurers who issue a policy in West Virginia and the policy holder then moves to New York!  (Not that many people would move from WV to NY!)

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Valued Social Butterfly

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

6,555 Views
Message 57 of 91

diginsburg wrote:
Every "letter" plan has identical coverage in all states and D.C.

Your statement is accurate with some very small differences. That is not the point however of this thread. Not all private Medigap "letter plan" Medicare supplements are offered in all states and insurance companies do not even offer private "letter plan" Medigap insurance in some states (it's against those states' laws although they have similar policies to some of the letter plans--some better and some worse).

 

Also the prices vary widely even in state and guaranteed enrollment rules differ widely across state lines even for the same letter plan from the same insurance company. Private Medigap insurance is controlled by your state of legal residence when you sign up (see Note); those policies are the only thing you should compare.

 

Note: State of legal residence is even an issue so make sure you think that through if you intend to or might move later

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Info Seeker

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

3,314 Views
Message 58 of 91
Every "letter" plan has identical coverage in all states and D.C.
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Valued Social Butterfly

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

3,429 Views
Message 59 of 91

Hassiman wrote:

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.

 


This topic gets a lot of hits. Please note that the question was first asked two years ago and then a few comments were made in 2016 and about a dozen have been made since mid March 2017. Take all of them with that timing in mind as well as keep in mind that the private Medicare supplement insurance discussed here -- from AARP or anyone else -- varies from state to state in price, discount structures and what it may or may not cover. It even varies in terms if all 'Plans' -- A, C, F, G, and so forth -- are available. Some states do not even have 'Plans' that use the lettering system.  In some states there is continuous, open enrollment but in some states that is not true. You need to look only at the plans available in your states to do a comparison.

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Trusted Social Butterfly

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

3,804 Views
Message 60 of 91

I've only been on Medicare a year and a half and have the AARP Plan F. I'm happy. I see the doc every three months, have various blood tests, and have yet to pay for anything out-of-pocket except for meds. 


Just think. The world was built by the lowest bidder.
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