Silver Sneakers being droped by AARP recommended insurer

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 361 of 679

Also dropping UHC due to their decision to not offer Silver Sneakers as an added perk.  Switching to Cigna Total Choice which includes Silver Fit, is accepted at our local Rec Center, and the premium is actually less for the same coverage and does not require underwriting.  I would have happily stayed with UHC and not even checked other options if UHC had not eliminated Silver Sneakers from their Supplemental policies.  I was with them for 4 years.   I am in Wisconsin.  Also found a less expensive Part D - WellCare for $14 per month versus Humana for $26.40 per month.  All in all, quite a savings.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 362 of 679

My wife and I are  dropping UHC F and going with Aetna G and a different Part D with UHC.  Although there is no Silver Sneakers, we save so much money that we save over $3,000 annually even with the gym expenses and Part B deductable added.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 363 of 679

Bye bye, UHC.  Going to Humana, changing plan to G from F, saving money AND keeping Silver Sneakers. 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 364 of 679

I was told that it is a state by state change but CT is out and so am I.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 365 of 679

Good bye United Healthcare.  You drop my benefits and increase my costs and you will not have my business.  My gym membership is $40/month which means my costs are going up by 25% just with this change.  I have had United Healthcare coverage for many years through my employers and enjoyed my suplemental policy very much.  I hate to leave this company but they have forced my hand.  I hope your loss of members is worth it United Healthcare!!!

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 366 of 679

@wonsettler wrote:

Is not a plan G identical to plan F except they don't pay the Part D deductable? And the part G premiums are low enough to easily cover that deductable plus some?


Medigap Plan F is the same as Medigap Plan G except that under Plan G you have to pay out of pocket the Medicare Part B Deductible - $ 183 for 2018 and I think it is going to $ 185 in 2019.

And a few other things are different too - excess doctor charges, some foreign coverage - Plan F is the cadillac - 1st dollar coverage.

Chicago Tribune 09/10/2017 - Why seniors should choose wisely when selecting Medigap supplement insu...

 

As to the premiums for Plan G ( Medicare has "Parts" - Medigap coverage is by "Plans") -

The expense of the premiums is based on how they are rated initially, when you first sign up and how they rise afterward - and I guess the size of your pocketbook.

 

Medigap coverage is ONLY GAP insurance that works with traditional Medicare.

Only about 25% of seniors on traditional Medicare have a Medigap or supplemental plan.

Some have extra help because they are low income and others even lower income have Medicare and Medicaid.  Some beneficiaries just pay their Medicare 20% of the cost out of their pocket and try to keep their care cost low.

 

Others, about 30% (and growing) of all beneficiaries, use a Medicare Advantage plan to get their Medicare benefits. 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 367 of 679

"Yes" to the first part of your question; and  "usually" to the second part.

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 368 of 679

Is not a plan G identical to plan F except they don't pay the Part D deductable? And the part G premiums are low enough to easily cover that deductable plus some?

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 369 of 679

I'm looking at a Humana plan G. It appears the same as the AARP UHC plan F except it doesn't pay the Part B deductible. ($185 for 2019) The Humana G  premiums are currently $30.00 per month less than the UHC plan F and in April they will be $49.00 less per month less and Humana provides Silver Sneakers for 2019.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 370 of 679

@John85259

 

This is from BCBS Medigap - Arizona 2017 premiums and ratings outline  booklet.  You can see it at the link (end of booklet) since the pdf does not always  copy and paste completely correct, you can look at it there.  I could not find a more up-to-date one but I am sure you SHOULD have gotten one.

https://www.azblue.com/~/media/AZBlue/Files/Misc_PDFs/Med_Supp_Outline_of_Coverage_Broker.pdf

 

Make sure that everything is in writing from the horses mouth.  To make sure there is no misunderstanding down the road.

 

Read your policy very carefully This is only an outline describing your policy’s most important features. The policy is your Medicare supplement insurance contract. You must read the policy itself to understand all of the rights and duties of both you and Blue Cross Blue Shield of Arizona.

 

Right to return policy If you nd that you are not satis ed with your policy, you may return it to: Blue Cross Blue Shield of Arizona Enrollment Services Department P.O. Box 13466 Phoenix, Arizona 85002-3466 If you send the policy back to BCBSAZ within 30 days after you receive it, BCBSAZ will treat the policy as if it had never been issued and return all of your payments.

 

Policy replacement:   If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it.

 

Notice • This policy may not fully cover all of your medical costs. • Neither Blue Cross Blue Shield of Arizona nor its contracted brokers are connected with Medicare. •

 

This outline of coverage does not give all the details of Medicare coverage. Contact your local Social Security Of ce or consult “Medicare & You” for more details.

 

Complete answers are very important When you ll out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history. Blue Cross Blue Shield of Arizona may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information.

 

Review the application carefully before you sign it. Be certain that all information has been properly recorded.

 

What Medicare.gov says about changing a Medigap policy -

 Medicare.gov - Switching Medigap Policies

 

How to switch Medigap policies

If you decide to change insurance companies, call the new insurance company and arrange to apply for your new Medigap policy. If your application is accepted, call your current insurance company, and ask for your coverage to end. The insurance company can tell you how to submit a request to end your coverage.

 

Medigap free-look period

You have 30 days to decide if you want to keep the new Medigap policy. This is called your "free look period." The 30-day free look period starts when you get your new Medigap policy. You'll need to pay both premiums for one month.

 

Don't cancel your first Medigap policy until you've decided to keep the second Medigap policy. On the application for the new Medigap policy, you'll have to promise that you'll cancel your first policy.

 

I am not doubting anybody here about their ability to switch to another Medigap policy /insurer without underwriting - but it does help to make sure that policies and ratings are understood correctly and you use the Protections in place if a problem does crop up.

 

 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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