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Blue Shield's Plan F "Plus" costs less than Plan F & has SilverSneakers!

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Message 311 of 651

In Silicon Valley area Blue Shield's Plan F "Plus" costs less than their Plan F, has added benefits ($100 of free contact lenses or a cost-break on spectacles; hearing aid benefit; etc.), and unlike UHC/AARP's 2019 offerings includes Silver Sneakers.  Blue Shield's eligibility questions inquire about health for past 3 years and so are slightly tougher than UHC's, which only inquire past 6 months, but if you're reasonably healthy you will likely qualify.  My BS "F-plus" 2019 premium will be around $17 higher than UHC's Plan F but my gym (24 hour SuperSport -- pool, towels, nice showers, great trainers) costs over $50 per month so even without the added "plus" benefits it would be worth it.  If your Rx's are mostly cheap generics, I recommend Aetna Medicare Rx Select (PDP) S5810-295; the monthly premium is under $20, and most common generics (blood pressure, lipids, HRT, 1st-&-2nd-generation antibiotics, etc.) have either a $0 (zero) or $3 copay.

So, for under $200 per month you get great Plan F-Plus coverage and a good Rx plan!  Note that Kaiser Senior Advantage, whose base premium (includes Part D) is $105 if you opt for their "Plus" (which includes Silver-and-Fit, pretty much same as Silver Sneakers, plus dental, hearing, and eye benefits), but you have $30 copay for each visit to clinician, lab, etc., and they slap on another $250 if you need an outpatient procedure (e.g., cataracts, etc.); plus their pharmacy copays for Tier 1 and 2 will be $5 and $10, and almost nothing is on Tier 1.  So in the end, unless you haven't yet gotten your Shingrix, it's pretty much a wash financially and of course with Kaiser you have to use their doctors -- and if you need Physical Therapy then all I can say is "good luck!"

If you haven't gotten your Shingrix, and you don't mind being in Kaiser for a year, and you're willilng to risk getting a medical problem in the next year that would disqualify you from a Part-B secondary, then you'll be delighted to know that at Kaiser ALL immunizations are FREE -- including Shingrix!

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 312 of 651

I am extremely disappointed with AARP UHC dropping Silversneakers.  I am changing my Medicare Medgap to Humana which will continue to have Silversneakers in 2019.  Additionally their rates, for both plan G and F, are slightly cheaper. If AARP is truely concerned about the health of its membership, I would strongly encourage AARP to end it's relationship with UHC. 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 313 of 651

Well said byboth of you!! 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 314 of 651

Well said! 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 315 of 651
Well said.
Told AARP to take me off their mailing list for other products ( life insurance ).
I’m going with Blue Shield for Part D.
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Re: Silver Sneakers being droped by AARP recommended insurer

3,526 Views
Message 316 of 651

This isn't about "corruption", per se.  AARP made the decision to license the rights to its name to the highest bidder.  It turned out to be UnitedHealth Care.  The irony is that while AARP does not have any involvement in UnitedHealthCare's decision to drop the Silver Sneakers program, many health clubs are telling their members that "AARP is dropping Silver Sneakers".  That's the problem with licensing your name.  Also keep in mind that Silver Sneakers is not a benefit mandated by Medicare. It is an incentive to get people to sign up with, in this instance, UnitedHealthCare.  Because this incentive is not a mandated Medicare benefit, any company offering it as part of a Medi-Gap or Supplemental Insurance Plan can elect to remove it.  Many other insurerers continue to offer Silver Sneakers as a 100% paid benefit.  I'm dropping my AARP/UHC supplemental insurance plan in favor of one from Blue Shield.  They offer Silver Sneakers and their rates for me are less than AARP/UHC. This is a classic example of what happens when you give YOUR customer a reason to shop at one of your competitors.  Not only do you lose the Customer, it will cost you dearly to get them back.  As long as Blue Shield delivers the services I want, for a price I can afford, they will have my business. This has not only driven me away from UHC, it has also undermined my faith in AARP.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 317 of 651

You are absolutely correct. Medicare should investigate corruption, greed, and misrepresentations within the insurance companies as well as AARP.  

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Re: Silver Sneakers being droped by AARP recommended insurer

2,560 Views
Message 318 of 651

I am very disappointed by the relationship between AARP and United Health. I have done my research and after two years with these two organizations, I am joining Humana because they are committed to silver sneakers program.  Everyone needs to know that the United program is not silver sneakers . I spoke to my brother in law who was in the same situation last year as I am now.  He was informed of the aarp united drop weeks after open enrollment and was forced to use optum advantage program owned by united.  He has been unhappy all year and now will be joining Humana like me.  I have done further research and have uncovered the fact that AARP and United have a financial relationship. They don't care about their members.   HUMANA and silver sneakers do!!  I am telling all my friends what everyone should know.   Financial greed is not in the best of interest of seniors

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 319 of 651

I agree with that because the Plan G will continue to take on younger people.  With Plan F being closed to new people, it will mean that the average age of policy holders will continue to rise, therefore the premiums would likely rise faster.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 320 of 651

I think that in Indiana the AARP/UH Plan G is community-rated. Therefore, theoretically, after the 12-year discount period ends (age 77), the premium should no longer increase (except for increses caused by the loss and risk experience of the Plan G community as a whole). This should be an advantage in the long run. Let me know if you disagree.

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Open Enrollment: Oct 15-Dec 7, 2019 Find resources to help you decide on the best healthcare insurance plans for you during Open Enrollment season