Reply
Highlighted
Honored Social Butterfly
0
Kudos
2047
Views

2,047 Views
Message 1 of 38

@pm4241

Thank you for your replies.

 


@pm4241 wrote: (green)

 

@Gail1 wrote (black)

 

I see from their Medigap description for 2018 that they use "Attained Age" as their rating method.  

Ohio MedMutual Medigap 2018

 

The AARP UHC Supplemental (Medigap) plans is group coverage and they use a Community Rating method for setting premiums.

 

Won't this make a big difference in your premiums down the road with Ohio MedMutual as you get older?    Every supplement program raises the premium yearly (or usually, there might be a small decrease in some years...but the raises are far more ordinary)


Yes, Medigap plan premiums do increase but some methods more than others 

Like the examples which Medicare.gov gives here, especially between the (2) methods of "Attained Age" ( Ohio Medical Mutual) and "Community Rating" ( AARP UHC)

 

Medicare.gov - Cost of Medigap Policies

 

Report Inappropriate Content
0
Kudos
2047
Views
Highlighted
Regular Contributor
0
Kudos
2052
Views

2,052 Views
Message 2 of 38

Couple of Question -

So they asked you NO health question?      As I said they asked NO health questions!

You already have your new policy in hand and there is no disclaimer about them being able to cancel any "extra" benefit (Silver Sneakers) at any time? 

They have always offered Silver Sneakers and they say that they have no plans to ever stop. They feel that it is a great way to stay healthy and fit (so they save money). 

 

I see from their Medigap description for 2018 that they use "Attained Age" as their rating method.  

Ohio MedMutual Medigap 2018

 

The AARP UHC Supplemental (Medigap) plans is group coverage and they use a Community Rating method for setting premiums.

 

Won't this make a big difference in your premiums down the road with Ohio MedMutual as you get older?    Every supplement program raises the premium yearly (or usually, there might be a small decrease in some years...but the raises are far more ordinary)

Report Inappropriate Content
0
Kudos
2052
Views
Highlighted
Honored Social Butterfly
0
Kudos
2063
Views

2,063 Views
Message 3 of 38

@pm4241 wrote:

Attention all those who think they cannot switch to another company until next December. Medical Mutual of Ohio is currently allowing those of us who have a Medicare Supplement with another company to swith to them with no health questions asked and you can do this for a few more months. I did it after December 7th and got my Silver Sneakers back AND saved money each month. I will not be sorry I made this move!


Couple of Question -

So they asked you NO health question?

You already have your new policy in hand and there is no disclaimer about them being able to cancel any "extra" benefit (Silver Sneakers) at any time?  

 

I see from their Medigap description for 2018 that they use "Attained Age" as their rating method.  

Ohio MedMutual Medigap 2018

 

The AARP UHC Supplemental (Medigap) plans is group coverage and they use a Community Rating method for setting premiums.

 

Won't this make a big difference in your premiums down the road with Ohio MedMutual as you get older?

Report Inappropriate Content
0
Kudos
2063
Views
Highlighted
Regular Contributor
0
Kudos
2068
Views

2,068 Views
Message 4 of 38

Attention all those who think they cannot switch to another company until next December. Medical Mutual of Ohio is currently allowing those of us who have a Medicare Supplement with another company to swith to them with no health questions asked and you can do this for a few more months. I did it after December 7th and got my Silver Sneakers back AND saved money each month. I will not be sorry I made this move!

Report Inappropriate Content
0
Kudos
2068
Views
Highlighted
Contributor
0
Kudos
2103
Views

2,103 Views
Message 5 of 38

I couldn't agree more.  I cancelled my UHC for that reason and went with Anthem Blue Cross Plan G.  Next step will be to probably not renew my AARP membership.

Report Inappropriate Content
0
Kudos
2103
Views
Highlighted
Contributor
0
Kudos
2120
Views

2,120 Views
Message 6 of 38

My Wife and I have always used our Silver Snerakers benefit. 

 

However, since United Healthcare no long covers it in California, we will not be returning to AARP supported United Healthcare.

 

What a "horrible" business decision.

 

 

Report Inappropriate Content
0
Kudos
2120
Views
Highlighted
Periodic Contributor
0
Kudos
2255
Views

2,255 Views
Message 7 of 38

It really is. Why would they not want us to stay active. It is too much for me to continue giving my business to folks that only htink about the bottom $. I looked into other options and after a late night on the web I found this on youtube. Gave a good list of alternatives if youre like me and dont want to support the greedy anymore https://youtu.be/Ug_BMbO6TKk

Report Inappropriate Content
0
Kudos
2255
Views
Highlighted
Regular Contributor
0
Kudos
2603
Views

2,603 Views
Message 8 of 38

Arizona. I'm tired of Silver Sneakers and you never know if it's going to remain in effect so I would just as soon find the lowest premiums with the coverage I desire and pay for my gym myself. My gym (LA Fitness) is $45 a month for both my wife and myself and my savings on my new plans covers that plus an additional savings of more than $1,000 annually. I'm content with that. 

Report Inappropriate Content
0
Kudos
2603
Views
Highlighted
Regular Contributor
0
Kudos
2611
Views

2,611 Views
Message 9 of 38

@wonsettler - would you mind revealing which state you reside in?    In California I found the least expensive Plan G to be from Anthem Blue Cross (and it includes SilverSneakers)!

Report Inappropriate Content
0
Kudos
2611
Views
Highlighted
Regular Contributor
0
Kudos
2622
Views

2,622 Views
Message 10 of 38

My supplemental premiums have never been as low as $70.00 per month and I began on 09/01/2006. 

 

In my state, the AARP UHC Supplemental plan F premiums have always been increased in April. My wife and I currently pay $230.xx each and in April 2019 that increases to $249.xx each. They send a notification each year in October informing us of our premium costs for the following year. If we were both to transition to AARP UHC Plan G, considering our ages (77 & 76 years of age) the premium for next year (no change for that plan in April) would be $201.xx monthly but since I'm going to Aetna plan G we lose the 5% discount for both being AARP UHC customers so my wife's premium will be $211.xx per month. My Aetna premium for their plan G will be $179.xx monthly.

 

Remember, each state and each state's country has differing premiums and procedures.

 

So you see, if I were to stay with what I currently have, AARP UHC plan F, my premium would be $249.xx vesus the Aetna plan G at $179.xx per month. That is $70.00 per month less when I transition to Aetna. My wife cannot leave UHC because of kidney problems. If that were not the case, we would both transition to Aetna and with a 7% reduction in premiums for both being Aetna customers and that would reduce our 179.xx monthly fee by 7 %. 

 

I hope that clarifies things for you.

Report Inappropriate Content
0
Kudos
2622
Views
cancel
Showing results for 
Show  only  | Search instead for 
Did you mean: 
Users
Announcements

September is Emergency Preparedness month.

Do you have an emergency plan in place?

Share or ask questions today.

Emergency preparedness kit

Top Authors