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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 341 of 664

I'm curious what others think:  What premium method is better and why?

 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 342 of 664

@ls63763447 wrote:

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.


Did you buy any of those optional Medigap coverages offered in the state of Wisconsin?  I think this is a good idea - you can up your coverage on the Medigap plan by item and then when premiums get too high perhaps begin to scale them back.  I assume you can do it this way since they are actually paid for with a separate premium.

 

From reviewing all the Medigap insurers listed in WI on the WI Dept of Insurance site for 2018, it seems they all are rated by attained age.  So come back when you are 80 / 85 and let us know how those premiums are going.


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

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Message 343 of 664

@m926465s wrote:

When I purchased the AARP Plan during my open enrollment period, I relied on two factors, the Silver Seakers program and the ability to change plans without medical underwriting. Recently, and without notice, AARP deleted both factors (requiring medical underwriting on Plan G). I would switch to a different provider too, but because of a surgery earlier this year, I am effectively locked into my current AARP/UH Plan even though it is more than $300 per year more expensive than a couple other Plans that do provide the Silver Sneakers benefit. I feel that I am a victim of a bait and switch strategy. I am sure that I am not alone. Does anyone know of any governmental agency investigating this? Alternatively, if anyone knows that I could switch to Anthem or Cigna without medical underwriting, please let me know.   

 Whatever type conditions you wanted would have to be in-writing in your policy to be enforcible.  Check your policy.

 

I am almost 100% sure that ALL (state specific) AARP / UHC Supplemental Plans contain the following language in their policy concerning any extra benefits - Silver Sneakers is an EXTRA benefit .

 

These are additional insured member services apart from the AARP Medicare Supplement Insurance Plan benefits, are not insurance programs, are subject to geographical availability, and may be discontinued at any time.

 

Check your policy

 

The Government (Medicare ) defines the parameters of Medigap (Medicare Supplemental) plans - what's covered within each of the plans and when and what the insurers are allowed to do when certain situations occur with the beneficiary.  Since this is only GAP coverage, it is left up to the insurers as to how it will handle underwriting, within Medicare and state rules.

 

They can determine a pre-existing condition and write a new policy anyway WITH OR WITHOUT non-coverage of this condition for a specified time period or they can refuse to cover you at all - if they do write you, the premiums could be higher.

 

 The ONLY time when they cannot do this is when you are in your INITIAL enrollment period (when you sign up for Part B) - the initial sign up period when blanket guaranteed issue is in place and you are 65 years old at least. 

 

(From the Medicare.gov link below)

Outside open enrollment

If you apply for Medigap coverage after your open enrollment period, there's no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements, unless you're eligible due to one of the situations below.

 

See this link for those conditions which trigger an additional guaranteed issue period:

Medicare.gov - When Can I Buy Medigap?

 

However, if you were just wanting to move your coverage from Plan F to Plan G under the same insurer, it seems that should have been ok because I believe you can change to a plan of LESSER coverage with the same insurer ( abeit there is pretty slight difference in Plan F and G ) without underwriting as long as the initial policy is still in effect.  That is my understanding.

 

 They have a right to cancel a Medigap policy for only two reasons and neither are health related:  

1.  Non-payment of premiums or

2.  For materially leaving out something on the application - like something health related, which borders on fraud.

 

You might want to run this latter particular event past your own state's Dept of Insurance.  But again - what does your policy say?

 

 


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

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Message 344 of 664

It is best to contact an agent. I am able to switch to Cigna Total Choice Supplemental without underwriting. It might depend on the State you are in.  

 

You should fill fill out a complaint form Tom the Medicare website and also write to your state insurance commission. 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 345 of 664

When I purchased the AARP Plan during my open enrollment period, I relied on two factors, the Silver Seakers program and the ability to change plans without medical underwriting. Recently, and without notice, AARP deleted both factors (requiring medical underwriting on Plan G). I would switch to a different provider too, but because of a surgery earlier this year, I am effectively locked into my current AARP/UH Plan even though it is more than $300 per year more expensive than a couple other Plans that do provide the Silver Sneakers benefit. I feel that I am a victim of a bait and switch strategy. I am sure that I am not alone. Does anyone know of any governmental agency investigating this? Alternatively, if anyone knows that I could switch to Anthem or Cigna without medical underwriting, please let me know.   

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 346 of 664

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 347 of 664

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 348 of 664

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 349 of 664

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 350 of 664

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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