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Re: Silver Sneakers One size does not Fit All

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Message 61 of 166

In the litigious society we live in, I can't imagine this would have escaped the lawyers.  I have been in this program for 9 years and don't remember any legal action reported.  Of course I am in Virginia and we still have Silver Sneakers so I could have missed it.

 

Again, I think it comes down to contract law which in my experience can be pretty rigid.

 

Ron

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Re: Silver Sneakers One size does not Fit All

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Message 62 of 166

@CRTSR wrote:

 


@jh5231035 wrote:

"Somehow, Silver Sneaker programs are state by state."

 

Thats because insurance is regulated by each state so an insurance company could have a different policy contract state by state.


Notice the word in red, this is key I believe.  Silver Sneakers is not in the insurance contract.  It is an extra feature that is provided for by the insurance company and can be withdraw at any time.  This was in the information we got when we signed up for the insurance, albeit in small print no doubt.  I'm not a lawyer but I believe it is generally true that if it ain't in the contract, it ain't enforceable.Smiley Sad




I wonder if that has ever been legally tested on this type of extra benefit in a Medicare plan?

I can understand how they can add or drop benefits like this, meaning an extra benefit outside of the Medicare stipulated coverage, in Medicare Advantage plans because you have to annually re-up each year with the same company or choose a different Medicare Advantage plan.

 

But this is not usually the case in (traditional) Medicare with a Medicare Supplemental (Medigap) plan and this extra benefit was/is included as an incentive when a beneficiary 1st signs up.  Under the Medicare rules for a Medicare supplemental plan (Medigap), the only way they can drop a beneficiary is because they failed to pay their premiums.  You cannot easily switch, if at all,  a Medicare Supplemental (Medigap) plan after the initial guaranteed issue.  Some people stay with the same Medicare Supplemental (Medigap) plan and issurer for their whole time in Medicare. 

 

To me, this should assume that the plan (Supplemental/Medigap), including any extra benefit(s) offered is all inclusive and final.  Again IMO, but by including it ( this extra benefit) in the purchased package of a Medicare Supplemental (Medigap) plan, it seem to infer that it should be there for the long haul.

 

 

 

* * * * * * It’s Always Something - Roseanne Rosannadanna
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Re: Silver Sneakers One size does not Fit All

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Message 63 of 166

 


@jh5231035 wrote:

"Somehow, Silver Sneaker programs are state by state."

 

Thats because insurance is regulated by each state so an insurance company could have a different policy contract state by state.


Notice the word in red, this is key I believe.  Silver Sneakers is not in the insurance contract.  It is an extra feature that is provided for by the insurance company and can be withdraw at any time.  This was in the information we got when we signed up for the insurance, albeit in small print no doubt.  I'm not a lawyer but I believe it is generally true that if it ain't in the contract, it ain't enforceable.Smiley Sad



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Re: Silver Sneakers One size does not Fit All

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Message 64 of 166

Sorry to hear it pm4241, but welcome to bait and switch. During my year with United Health Care/AARP in Oklahoma they did the same thing. Big up front promotion about how they want to provide the tools to keep you healthy and active, and once you are onboard they pull the rug right out from under your feet. AARP counts on you naively buying into their story and being too lazy to get up and leave. In our area they offered free or significantly discounted memberships to several different facilities from the YMCA to Planet Fitness through membership in Silversneakers. For an individual that benefit was worth between $165 and $550 per year depending on which facility you chose to use. When you discount that to the cost/value equation of the insurance premium, it means that the $2240 they quoted me for Plan F would be reduced to between $2075 and $1690, again depending on which facility you choose to use. In combination it beat all alternatives including the Medicare Advantage program offered to State of Oklahoma retirees. Like you I realized that I needed to get off my duff and workout on a regular basis. After working with a trainer at the YMCA I was 7 months into a program and had substantially increased range of motion and endurance. I had increased by more than 25 percent the amount of weight I needed to achieve the same heart rate. Along comes the enrollment period for year two and AARP/UHC made no mention of dropping Silversneakers, it simply was not listed in the ancillary benefits portion of the enrollment material, so I started calling. I got a big song and dance routine about how they were replacing it with a 24/7 hotline to a nurse and lots of online material about how to stay healthy. Bottom line, they did not want to pay the fee to Silversneakers based on your utilization of the benefit. Don’t get me wrong, AARP does a lot of good, but when you bring in a greedy dominant insurance company which purchased the right to an exclusive marketing agreement with the largest organization purportedly representing/advocating for seniors the wheels simply fell off the wagon. AARP management saw big dollar signs and forgot who they are supposed to represent.

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Re: Silver Sneakers One size does not Fit All

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Message 65 of 166

I just started with AARP this year, but one of the reasons I chose the Medicare plan G that I have was that it offered Silver Sneakers for free. Now I hear that you are dropping that program!! Shame on you! I am a retired RN who needs to swim or water walk three days a week. I NEED to be able to do this. I thought that you were trying to help us all stay healthy so that you can save money on illnesses and surgeries. PLEASE rethink this drastic measure and return to Silver Sneaker for 2018

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Re: Silver Sneakers One size does not Fit All

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Message 66 of 166

I received notice that United Health Care Insurance Company will no longer offer the Silver Sneakers Program in Ohio.

I am on a limited income and this was a valuable benefit that I used weekly! You offer a YMCA discounted membership at a discount of 50% in its place-this will cut into my meager income.

So now you can increase your stock dividend. and your executive compensation with the additional income that this cost saving will provide the company.

Your form letter begins “As you know. at UnitedHealth care, we are committed to providing you with a wide variety of health and wellness services “. You do have a commitment but the commitment is not to my health but to greater profits!

.

.Keith A. Mann

Poland,Ohio

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Re: Silver Sneakers One size does not Fit All

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Message 67 of 166

Somehow, Silver Sneaker programs are state by state. For example, Delaware does not do them. A YMCA in Illinois said it did not accept because of the paperwork.

 

I found out by chance that AARP/United.. is reducing 50% come January, but I have not been officially notified. Neither my gym nor Silver Sneakers have been notified.

 

I am afraid your chlorine cloud is the result of dirty bodies and pool pee which changes the chemical make up of the pool chlorine.

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Re: Silver Sneakers One size does not Fit All

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Message 68 of 166

I live in Ohio and have been with AARP/United Healthcare for two years. I receive monthly calls from a wellness nurse on their behalf. I do not know if this program is part of United Healthcare or if it is sourced out to them.

 

In conversation, I was asked about falls. I said that my gym's fitness coach was working on my coordination and balance, as well as strength and diet. She then told me that the Silver Sneakers support would drop 50% as of January. Some reasoning about how it would result in more businesses taking it. (Seen that before. That translates as a company getting rid of a service because we want to pay upper management another bonus.)

 

I was naturally upset. I have less than a month to change insurance provider. My gym, which has certifications and programs for the elderly, had not been notified. I called Silver Sneakers to ask what they knew. They had not been notified.

 

Yes, I was grateful for my insurance company when I had an unexpected serious illness. But my gym is the only way I am able to maintain my health, thus saving the insurance company money re the heart procedures and falls and hospitalizations that have not happened.

 

I will email my insurance broker today to see if there is an insurance company that better fits my needs. Unfortunately, cut-backs of services often signal trends in like companies. 

 

 

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Re: Silver Sneakers One size does not Fit All

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Message 69 of 166

thank you

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Re: Silver Sneakers One size does not Fit All

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Message 70 of 166
Nice input, Epster! That link will probably help many who are new and just beginning to get acquainted with gym activity/ettiquette. It's also a quick and easy read. Very considerate of you . Smiley Happy
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