Recent premium increase for United Healthcare coverages

[jphorenci]

I am absolutely appalled at the just announced price increases for United Healthcare coverage. The increase in RX (over 90%) announced during the last open enrollment was enough force me to make a change and now the supplemental health coverage increase (22%) is astounding. As their primary selling agent, you should anticipate my changing to another, more affordable carrier at my first opportunity and hopefully a boatload of others doing the same. Shameful, unjustified, heartless, and ridiculous. Shame on both you and United Healthcare.  

[TRL1111]

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@zooeyhall wrote:

Reading all of these, is why I am glad I stuck with traditional Medicare.

I don't think you're following the discussion.  It's about the huge increases in Medigap supplement premiums.

I'm not a fan of how Medicare works, but I think it's a good thing Advantage plans are there for those who can't afford a supplement, because that's the only way they can avoid being on the hook for 20% coinsurance with a maximum of infinity dollars every year. 

[jphorenci]

And the raping of America's elderly continues. Just got my notice of another 20%+ increase for the 2026-2027 policy year. United Healthcare are thieves. How they can continually raise rates over 20%+ year after year should be investigated by the Justice Department. And how AARP can claim they have retired peoples best interest at heart is laughable. The sales commissions paid to AARP for these policies is outrageous. Both the AARP and especially United Healthcare should be ashamed of themselves. For those still participating in the AARP/United Healthcare RX policies, STOP. Investigate the Wellcare Rx plans recommended on the Medicare site. My RX plan with them has better coverage and zero monthly premium. I will also now begin my research to change supplement plans, 

[SeanmraganR601889]

I switched to Anthem Blue Cross because they were less expensive but six months later they increased the premium to be the same as UHC.

[kasyy]

yes - agreed - I got rid of it year half ago when they priced me almost 30% more - luckily I was able to get a guaranteed policy with my union - and you are so so correct - wellcare'rx plan is awesome - and AARP sending people to buy an overpriced drug plan - shameful

[melkis]

My UHC Supplement is going up 20.45%, AARP should be ashamed of themselves, not one program they recommend, not health, car, life, dental, NONE are saving Seniors any money.  They should take some of the 9 Million in kickbacks paid to them from UHC and give it to their members.

[pf75974628]

Last year in March I received my new premium notice.  It rose by 25%.  I called to find out why and was told it was because the medical facilities in my area charged some of the highest costs in the country.  This year my new notice says the premiums will rise by 18%.  I have a G plan that now includes a deductible.  I used to have an F plan but the premiums were even higher.  It appears that everyone gets a low premium for a while since they are generally younger and healthier but once you start using your insurance, the premiums rise rapidly.  I need to do some research on how local facilities charge versus other states.  Maybe UHC is pulling a 'Trump.'

[TRL1111]

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@pf75974628 wrote:

It appears that everyone gets a low premium for a while since they are generally younger and healthier but once you start using your insurance, the premiums rise rapidly. 

Just to be clear, supplement premiums have nothing to do with an individual's utilization.  It's not like car liability insurance, where your premium can/will go up if you file a claim.  

[CBtoo]

Actually what happens is that one a year, you lose some of your age related discount off of the maximum premium and once a year they increase the maximum premium. For people who got their supplement on the same month that the premium goes up you have a once a year bigger jump as both the across the board increase and the declining age related discount are combined into one month. Once (after 10 or 15 years depending on when you started getting UHC) you have used up all your age related declining discounts and aged out of that then your premiums will go up only once a year and will only reflect the across the board increase.

And yes your premium for HG depends on where you live and does vary across states and areas. Typically it is higher in states where you don't have to undergo medical underwriting to change what you have as sicker people tend to gravitate towards supplements as advantage plans will cost them more as they use health insurance more. If you live in a state where you have to pass medical underwriting to change then premiums tend to be lower as sicker people can't switch out of their advantage plan to a supplement.

G always had the Medicare B deductible as G's deductible. It was only F where that was paid for and there was no deductible at all. 

[sktn77a]

A bit late to this party but it's not just UHC supplements that are increasing uncontrollably.  I'm 73 and have an Aetna/CVS Plan G supplement.  Started out at just over $120 a month 3 years ago.  After one year, it went up to $150.  This year it went up again to $180 - 50% in three years - WAY greater than any inflation measure you can come up with.  Before that I had an Old Surety Plan F which was skyrocketing before I switched.  Unfortunately, 2 years ago I had a minor heart issue requiring the implantation of a pacemaker so I'm basically stuck with my current supplement ad infinitum.  I think these companies tease seniors with low starting rate (eg the "30% discount" with UHC) and then sneak in annual increases to make up for this.  I wish State insurance commissioners would take a harder line with these insurance companies!

[NealV490712]

Congratulations, that's much less than my increase with United Healthcare!

[GailL1]

@sktn77a wrote . . . . . I wish State insurance commissioners would take a harder line with these insurance companies!

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How do you know they don’t?   From the guidance that I have seen on their Loss Ratios and the amount they have to have in reserve in some states - it seems that beneficiaries are all using their plans - and not just AARP/UHC as you pointed out.  And their plans are usually the ones where it protects their pocketbook the most - now, Plan G, so there is more on the insurer to pay.

It is EASY money for the insurer - they don’t have to manage any care or make any decisions about what or who to pay - If Medicare pays, they pay whatever is their portion or IF Medicare does NOT pay, they don’t get any flack because they didn’t pay, that is all on Medicare to do the determination of coverage and the amount of the payment.  

I have heard that some of the smaller insurers are considering their options of leaving this coverage market - Allstate & National General were the ones  I heard about leaving this Medigap marketplace recently.

Utah just changed their Medigap law to allow for the “Birthday Rule” so premiums will be going up there in a few years just because of this.  

Are you sure your state does not have any extended guaranteed issue right periods where you can switch again without underwriting?  There are getting to be more and more states that are adding some resemblance of the Birthday Rule and of course there are a few states where you can change or pick up anytime because they have continuous enrollment - NY, MA, CT and ME (but ME is a little weird so I would have to read their rules again for the detail).

We all have known that cost rise with years - me, I don’t have to worry about a Medigap plan premium because I have other coverage but I am having to put on my 2nd roof on my home and it is a lot more than I paid the last time - 24 years ago.  

[k703721s]

In Colorado, my premiums went up 24% as did my husbands! It's not the best plan either, and we, of course pay Part D and Part B separately so it's pretty high. At this rate, we will be priced out at the time of our lives when we need it the most. Aren't there any regulations for United Healthcare? 

[AnneG775142]

 In California you have the legal right to change Medicare supplement plans annually for 60 days starting on your birthday,  WITH NO UNDERWRITING, so you don't have to qualify medically.   I have United Healthcare Supplement Plan G and will be changing to USAA.   This is because of United Healthcare's recent premium increases, and a disturbing story in today's New York Times about United Healthcare's legal bullying of those who call them out.     Finding myself very disappointed with AARP's partnership with United Healthcare.   I trusted AARP which is why I chose UH.

[GailL1]

@AnneG775142 

You might want to read the post I just made in this board on California’s proposed new law on Medicare Supplemental plans.

https://community.aarp.org/t5/Medicare-Insurance/CALIFORNIA-Senate-Bill-SB242-Medicare-Supplemental-... 

[SeanmraganR601889]

The State of CA wants ALL SENIORS ON A MEDICARE ADVANTAGE PLAN!!! It's communism! Those who have money will pay, those who don't must comply!

[TRL1111]

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@SeanmraganR601889 wrote:

The State of CA wants ALL SENIORS ON A MEDICARE ADVANTAGE PLAN!!! It's communism! Those who have money will pay, those who don't must comply!

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I don't think you understand communism.

[AnneG775142]

Got it, many thanks GailL1 - had no idea you are way ahead of me -

[GailL1]

@AnneG775142 

Well IF California SB242 passes, you will know why your Medigap premiums went up $ 40 just for this reason + more for usage or medical inflation.

And I am sure that it is $ 40 for just the current year like 2026 - maybe even more in later years - would just depend on the health of those coming into the Medicare Supplemental marketplace in this special enrollment period without underwriting.  

You can just keep switching your Medigap coverage  to the lowest cost plan - just like everybody else is gonna be doing.  

[wicheesehead]

My premium along with my wife was increased 30% this month. I have been a customer for 10 years, but not any longer. I got same supplemental benefits from another provider at a much lower cost.. Shop around

[GailL1]

@k703721s   The rules for Medigap plan (Medicare Supplemental plans) are all the same at the Federal level.  States have some prerogative about making it easier for people to switch plans or or switch insurers - I do not see that Colorado is such a state but you can: 

• Contact the Colorado State Health Insurance Assistance Program (SHIP) at 888-696-7213 for free, personalized help. .
• The SHIP personnel can explain the details of Medicare, while also giving you specific information about the plans available in your area of Colorado.

Medigap plans are affected by medical inflation and the use of the plan.  All Medigap plans are designed exactly the same way because the design comes from the Federal government but some plans have some extra benefits that may also have some cost in your premiums.  UHC and a few other insurers also offer a declining discount on their plans that begins to add to the premium cost after you have been on it for, I think, three years - 

Some states require their approval before a medigap plan rate increase takes effect.

Medigap coverage is not required but people do get them in order to protect themselves from a medical catastrophic event.  However, the more risk one is able to take on themselves, the less the premiums - A High Deductible Plan G is much less expensive in premium cost that a regular Plan G.  Even though once the deductible is met on the High Deductible Plan G (2025 - $2870), the two plans work identical.

Most all Medigap plans are getting more expensive in premiums irregardless of the insurer - perhaps some more than others - medical inflation, the number of people now using the plans - UHC is THE top insurer of Medigap plans but there are many others who also sell the plans - and like I said the plans are work the same, cover the same things; only the premium price differs.  

I did find this from 2023 that is a publication out of the Boulder County area - it should be the same as the rest of the state - but it is 2023, I could not find a more recent update.

Boulder County.gov - Medicare Supplement Insurance Policies in Colorado September 2023 

If the premiums get too expensive, you can switch but it will probably require underwriting and with perhaps a few months when any preexisting condition may not be covered - read Colorado’s state specific policy on this.

This is exactly why many people chose to go with a real good Medicare Advantage plan because they cannot afford the monthly premiums of a Medigap plan.  

[kasyy]

For the love of god - that last paragraph is amazing!  Are you selling advantage plans??  IF "many people choose to go with a real good Medicare advantage plan because they cannot afford the monthly premiums of a Medigap plan" , then how on earth will they pay the thousands and thousands they will be responsible for a hospital stay.  Do the math whoever wrote that silly little response.  Pushing people  into these scam advantage plans only makes the problem bigger and much worse.   I have done the math.

[MargaretS512549]

My thoughts exactly. Also the MA plans cost us the taxpayers $2.5K more for every person enrolled in MA.

[GailL1]

@MargaretS512549 

Not any more - see my last post - lots of changes since 2024 - checks and balances now seem to be inplace. 

Still has not affect on Medigap plans - geeze how did we get off on Medicare Advantage plans when the discussion is about Medigap plans - completely different situations . 

[pf75974628]

I have done comparisons using my previous health care records.  How many times have I seen a doc or been to a clinic?  Have I had a major illness or surgery?  I look up the copays and deductibles and concluded for my situation that a regular supplement is best.  But I have friends who find that a similar analysis indicates that an Advantage plan is best.  But the proof is in the experience.  One of our major facilities no longer takes some Advantage plans because of their sky high denial rates.  That means that the hospital is footing the bills for people who have insurance but can't pay out of pocket.  The hospitals are forced to refuse such plans.  Overall, it weakens small hospitals in small communities and makes the threat of closure much more possible.  When analyzing plans, ask about their denial rates and decide if your local facilities can survive those denial rates.  I want to keep the local hospital and clinic.   

[zooeyhall]

 I live in a rural area, and many smaller community hospitals in my state do NOT take Medicare Advantage plans.  Precisely for the reasons you mention.

[TRL1111]

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@pf75974628 wrote:

One of our major facilities no longer takes some Advantage plans because of their sky high denial rates.  That means that the hospital is footing the bills for people who have insurance but can't pay out of pocket.  

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Can you explain what you mean by that?  

[GailL1]

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@TRL1111 wrote:

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@pf75974628 wrote:

One of our major facilities no longer takes some Advantage plans because of their sky high denial rates.  That means that the hospital is footing the bills for people who have insurance but can't pay out of pocket.  

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Can you explain what you mean by that?  

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LOL - if what @pf75974628 said was true the facility would be breaking federal law- No facility that accepts Medicare can refuse care based on the ability to pay - The way pf75974628 put it, it would also apply to those who have OG Medicare but pay their part out of pocket - they too might be unable to pay - but in those cases, CMS has a rule as to how any provider or facility can pursue “Bad Debt”. 

@pf75974628 is incorrect - if providers or facilities stop doing business with any particular MA plan it is only because they do inot like what they have negotiated with the MA plan and thus what they are paid by the plan. 

But it may go further than that in many cases - the hospital facility may be contemplating setting up a MA plan of their very own especially if they have successfully bought out many of the surrounding providers.

Personally, when speaking about care denial when it comes to prior approvals - not much of it is actually denied especially if the  provider supplies the necessary info to support the care.  This is currently being enforced with a procedure by CMS - and not just for MA plans - OG Medicare too. 

I believe that we will get to the point where certain treatments are gonna be prior approved by a plan be that plan MA or OG Medicare and we are testing this already in 5-states with some treatments.

[CBtoo]

Gail you said, "No facility that accepts Medicare can refuse care based on the ability to pay - " That is incorrect. They can't refuse EMERGENCY care based on inability or pay or if they don't have insurance or only have out of network insurance, etc. They can refuse other care.

Accepting any form of medicare means that the system is required to have a financial aid program for the uninsured or under insured. HOWEVER that does not mean someone will qualify for it. It depends on the rules of their financial aid program (which can vary - locally for all systems here you can only get financial aid if you have no insurance and are at or below the poverty line for your family size).

Facilities can refuse to be in network with advantage plans. That means if you have one of those "not accepted" medicare advantage plans and choose to be treated there you may well be responsible for the entire amount (depends on whether your particular plan does pay some out of network charges or not, some do and some don't). Further if you don't pay they can sue you for the money and fire you as a patient. When you are fired as a patient you can only go to their ER and not be turned away. You can be refused treatment otherwise.

What you are talking about is original medicare. If a facility accepts original medicare then they can't refuse to treat you. HOWEVER if you don't pay they can do the same thing as already discussed above,

What IS required is that they have a financial aid plan for those who can't pay. Those plans can have income per family size conditions, etc. This doesn't mean that if you can't pay you will qualify for the financial aid plan as that depends on the financial aid plan rules. The only condition is that they have one, not what the details are.

Further if you have no insurance, are out of network, etc. they are allowed to require that you pay X dollars up front before they will treat you and, unless it is an emergency, they can turn you away if you don't do that. 

Often due to the high maximum out of pocket that many advantage plans have, if people need a lot of health care some end up being unable to pay. Those who are, for example, poor enough may have medicare and medicaid (called being dual eligible) and that saves them from huge medical debt. Everyone else who can't afford to pay their share as determined by the plan end up with issues and eventually can be sued and fired as a patient. 

EVEN if someone qualifies for the financial aid plan that does NOT mean care is free or almost free. It just means they will charge you less. If you don't pay you will suffer the same consequences.

There are a few health care systems that will send you to collection and nag you until the statue of limitations runs out (but, for example, MD Anderson Cancer Center, by state law, has no statue of limitations - there may be other systems  that don't too) but not fire you as a patient or sue you. If you know you can't afford your bills you will have using your medicare and don't qualify for their financial aid program OR can't afford what you still have to pay even if they accept your medicare plan, it would be prudent to only use systems that won't sue you or fire you as a patient for not paying.

[GailL1]

@CBtoo 

Not if the ER facility accepts Medicare - If so, they are under the EMATLA and must give ER care to anybody to the extent that they are stabilized.

HHS.OIG.gov - The Emergency Medical Treatment and Labor Act (EMTALA) 

[CBtoo]

See my first paragraph with EMERGENCY care in CAPS - That is precisely and exactly what I said - that they have to give emergency care to anyone regardless of insurance (including medicare) or lack there of, citizenship or not, etc. They can deny care under certain other circumstances - see my post you are replying to.