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Re: Silver Sneakers: Cutting AARP's United Health Care?

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Message 31 of 38

Hi Christine,

Thanks for the post and yes there are quite a few Medicare insurance companies in California which cover Silver Sneakers according to my research. Its difficult to find from within their website.  I've pasted the Silver Sneakers url below:

 

https://tools.silversneakers.com/Eligibility/HealthPlans?state=CA

 

Also, you can change your supplimental insurance plan in California without medical underwriting on or around your birthday.  It's called the Birthday Rule.  Check it out at:

 

http://www.insurancerus.com/medicarebirthdayrule/

 

Hope this helps.

 

Currently investigating Anthem/Blue Cross in California, their Medigap policy comes with some hearing and vision, Silver Sneakers, and costs less than initial enrollees than United Healthcare's.  Anyone out there know about Anthem's reputation?          Tom

Tom
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Going back to Kaiser due to AARP no longer including Silver Sneakers ...

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Message 32 of 38

Had Kaiser Senior Advantage Plus (includes Silver-&-Fit gym benefit plus $280 every 2 years credit on already reasonably prices eyegrasses or contacts plus hearing aid benefit plus free dental Xrays yearly plus free teeth cleaning every 6 mo plus *all* immunizations free) until 2017; then switched to AARP/UHC Plan F (~$155/mo) & Aetna Select (~$20 per month) for my Part D for 2018.  Note that my gym is 24-hr Fitness Super Sport (~$45-50/mo without Silver-Something).  For 2019, back to Kaiser I will go (actually, due to their 5-star rating, I was able to go back this month with a Special Open Enrollment).  Here's why.

For 2019, Humana is the only Medicare Supplement insurer in my area (Santa Clara County) which will include Silver Sneakers in its Plan F coverage, BUT Humana's 2019 monthly premium will be ~$201, AARP/UHC's went up ~$12 to ~$167, and on top of that I'll need to pay at least $20 for a Part D plan ... Whereas Kaiser's 2019 base premium went down to $85 and for another $20 a month for their Senior Advantage Plus plan I will get [a] Silver-and-Fit (similar to Sneakers) PLUS [b] free immunizations (won't have to pay $300+ for Shingrix) PLUS [c] $280 credit every 2 years for competitively-priced glasses or contacts, which is a lot better than Humana's/AARP's Vision Plan PLUS [d] free dental xrays yearly PLUS [e] free teeth cleaning every 6 months PLUS [f] hearing benefit similar to Humana's/AARP's.


The downside of Kaiser (or any other) Senior Advantage plan is that unlike a Plan F Part-B Supplement, there's a usually-$30 copayment for just about every service: office visits, lab, xray (Surgicenter's a $250 co-pay), etc., but unless your have four (4) $30-copays *each month* (i.e., 48 per year!), Kaiser Senior Advantage Plus will cost me a lot less overall than I'd have to pay for even the cheapest combo of Part B Plan F Supplement-With-Gym (i.e., either Humana or AARP-plus-my-gym-membership) and I get all the above otherwise-costly perks too. 

Got my 1st Shingrix shot yesterday (saved myself $150) & will get 2nd in 2-3 months (another $150 saved); today I will change my 24-hr Fitness membership from Silver Sneakers to Silver-&-Fit; later this week will set up dental xrays & cleanings (total $200+ saved per 12 months); am in process of scheduling my cataract surgery for next month (the $250 surgicenter copay is more than covered by the fact that post-op eyeglass benefit with Kaiser actually *pays* the cost of decent eyeglasses there, on top of which I'll get a $280 credit toward *reasonably-priced* no-line bifocals or contacts); etc.

Think about it ...

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Re: Silver Sneakers: Cutting AARP's United Health Care?

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Message 33 of 38

I also got the notice they are ending Silver Sneakers in California.  Not happy about it at all.  It was one of the reasons I went with AARP/UHC.  It helped a lot not having to pay a gym membership, except for $7 dollars a month because my gym doesn't have what is considered Silver Sneaker Classes.  It is sad how they treat retirees.  They keep increasing all of our costs, but not our income.  I realize it's a perk from the insurance company, but doubt they loose anything from offering it.  They probably pay out less in medical costs to the people who try to stay healthy and fit.

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Re: Silver Sneakers: Cutting AARP's United Health Care?

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Message 34 of 38

I received a notice in the mail today from the AARP endorsed United Healthcare  Insurance Company.  Literally says on the envelope "See inside for new services coming soon".  What a scam and a farce!  I am so upset over this!! I specifically picked UHC and pay a higher premium because of the Silver Sneakers program.  My premiums rise every year and now, my premiums will continue to rise and I will also have to pay for a gym membership.  I don't trust a new program to make it a reasonable cost and still have full gym membership benefits.  I called today to ask about the new program and they had no answers for me.  Are there any other supplemental plans that will cover Silver Sneakers in California?

 

PLEASE don't cancel our Silver Sneakers benefits!!!

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Re: Silver Sneakers: Cutting AARP's United Health Care?

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Message 35 of 38

@Pideas

 

Tom, maybe you and others should try answering this recent question posed by an AARP Community representative.  Don't know if it would do any good but they might be listening better on that "Benefits and Discounts" Board.

AARP - What Are The Benefits of Joining AARP?

 

Be sure to read the "Welcome & Start" post on the same "Benefits and Membership" board'

 

Hello and welcome to AARP’s Benefits & Discounts forum. 

 

Do you have questions about the benefits and discounts of AARP Membership?  This is the place to post those questions or to share your own experiences.  Chances are someone has a solution or can point you in the right direction.  If you find a solution that works, let others know and pass on your own tips and insights.

* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Silver Sneakers: Cutting AARP's United Health Care?

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Message 36 of 38

Thanks Michael for the reply.

 

I'd no idea it would be an issue getting enrolled in their program at the gym.  (That's the problem United Healthcare gave themselves when they decided to end the relationship with Silver Sneakers and I suspect they won't do it as well, either.  Cutting costs could end up costing them.)  

 

I'm currently looking into other suppliment plans which still have Silver Sneakers.  In my initial enrollment period so I still have the option. Wonder if their enrollment numbers will go down this year.  Silver Sneakers was the reason I put them at the top of the list.  Suspect I'm not the only one. 

 

Your email is one more reason to drop my interest in United Healthcare.  I wrote directly to AARP about this.  But, I suspect AARP they may be to financially and otherwise associated with United Healthcare to advocate for us on this.  Tom 

 

 

Tom
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Re: Silver Sneakers: Cutting AARP's United Health Care?

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Message 37 of 38

Thank you.   I talked to two customer reps with regard to this same issue impacting Ohio members.

 

Adding insult to injury, I am told as a policyholder you won't be able to get the new authorization number for the reduced coverage to give to your local until the new year.

 

Imagine calling UHC post New Year's Eve and waiting on the phone?

 

I'm certain most of us will be out of pocket 100 per cent while UHC and fitness centers sort out this new program. Again, this was a poorly thought through change

that reveals a base disregard for the customer.

 

I suspect most will not even fool with the new diluted benefit given the hassle factor.

 

 

Michael Chanak Jr.
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Silver Sneakers: Cutting AARP's United Health Care?

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Message 38 of 38

I'm in the process of initial enrollment in a Medicare Part B suppliment insurance plan.  Just heard from an insurance agent I'm working with that United Healthcare Plan no longer covers Silver Sneakers (at least here in California.)  

 

Can't believe a gym membership is something an insurance company wants to cut.  One of the best routes to long life is through exercise. ( You'd think an insurance company would want you around to keep paying the premiums. Smiley Happy

 

If this is true, AARP should alert its members about this, given their name is all over this plan. Also heard from the agent working to sell me the United Healtcare plan that the company will still pay 50% of a gym membership. But instead of full membership has decided to "provide" additional web resources to gloss up the deal. Pretty sure I can get whatever information they post on online without their "help."  Think they are rolling out this "Web-based Program" to cover for the fact they are cutting Silver Sneakers.  

 

 

If this is the case, I will be considering a different suppliment plan. Also I'll be calling both AARP and UnitedHealthcare to ask them if this is true. The agent said that United Healthcare is justifying their decision because "only" 3% of Californians use Silver Sneakers. That's still a lot of people, especially if we all call AARP and United Healthcare to ask if its true. Its open enrollment, and market forces could make a difference.

 

The Silver Sneakers website for California still lists United Healthcare as one of the insurance companies which supports them. Think this is old information, correct me if I'm wrong. Aetna, Anthem, Blue Shield, and Humana are listed as Silver Sneaker providers.  I will be checking them out. If they still support Silver Sneakers I'm going to consider moving my Medicare suppliment decision to one of them. It will be hard to do, currently have UnitedHealthcare from my employer, and they are a good insurance company, but if this is true, its too much.

Tom
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