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Re: Silver Sneakers being droped by AARP recommended insurer

3,332 Views
Message 291 of 625

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

2,492 Views
Message 292 of 625

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

2,968 Views
Message 293 of 625

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

2,959 Views
Message 294 of 625

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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Re: Silver Sneakers being droped by AARP recommended insurer

2,899 Views
Message 295 of 625

Actually, I don't think your comment that "supplemental is always community rated" is correct.  Maybe in your state it is?  I know that in California most supplemental policies are rated using age at issue or age attained.  AARP/UHC is one of the only companies that offer community rated policies (at least in my community in California).  Everyone should figure that the Part B Deductible will go up every year as well as the basic Medicare premium and the bump that higher-income people have to pay.  It's amazing to me the differnce in premium prices of the same Medigap Plans by geographic location. 

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Re: Silver Sneakers being droped by AARP recommended insurer

2,643 Views
Message 296 of 625
I have a Medicare Advantage plan which was Healthnet and then became Allwell. Under Healthnet there was Silver Sneakers per my agent. Under Allwell, they don't mention it. Our county, we only had once choice for a Medicare Advantage. This year we have a 2nd - Humana. You are correct - I compared plans and 3 of my 5 prescriptions weren't covered (as compared to the 1 out of 6 under Allwell), and my costs for various medical situations including copays, is higher. Overall, if I stay with my current plan as compared to Humana, I could join all 5 gyms in town. I do use an agent - when I first became eligible under disability, I thought I was confused when all I could find was one plan. Ends up I wasn't, but the agent is very good at comparing options and advising me of expected drugs costs for the year. The agent doesn't cost me anything, so it is still one thing under the medicare rules that benefits us.
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Re: Just a Caution about changing plans

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Message 297 of 625

In the county I live in, in Arizona, we only had one choice for a plan which was Healthnet now changed to Allwell. This year there is a 2nd option (Humana) but the costs for meds and other expenses, but especially prescriptions, would cost me more. So it is very important for those who have more options on plans to compare them carefully, byond the premiums. 

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Re: Silver Sneakers being droped by AARP recommended insurer

2,377 Views
Message 298 of 625

Thanks for some useful information. In Ohio my independent health advisory insurance company is suggesting Plan G over F as well. F will not be available to new applicants starting in 2020. They are saying G is the same as F except for the $183 deductable and is significantly cheaper. (I do wonder once F is gone how much the deductable will be raised...)Some of the You Tube videos are saying the same thing. One of them showed a graph of how F, G, and N go up as we age. F went up something like 9% and G and N went up 3.5%. I seriously don't know why this has to be so complicated! 

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Re: Silver Sneakers being droped by AARP recommended insurer

2,344 Views
Message 299 of 625

Supplemental is always community rated. AARP UHC begins at a discounted rate but as you pass 75 it really increases. It's will be $249 per month each stating in April 2019. It's currently $230 monthly. 

 

They can also deny you coverage based on health and the enrollment period does not apply to supplemental.  For instance, Humana will not cover my wife on any supplemental plan since she  previously had cancer. I'm 77 and my wife is 76 and we will begin Aetna plan G on 1/1/19 to avoid being charged the Part B deductable this year. The premiums are  considerably less than our AARP U HC. The Aetna plan is not a discounted rate.

 

My insurance agent informed me that plan G is cheaper because people have to pay the Part B deductable and won't go to a doctor everytime they have the sniffles.

 

As I previously stated, we're also changing from a AARP UHC Part D to a AARP UHC Medicare RX Walgreen plan which is $1,400 cheaper annually.

 

Total savings for us is a little more than $3,000 annually. 

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Re: Silver Sneakers being droped by AARP recommended insurer

2,240 Views
Message 300 of 625

Thanks.  I'm asking because in California, the AARP/UHC Plan F is Community Rated, which I believe is an advantage as we get older (I don't know anything about other states).  Now, because Plan F will not be offered after 1/1/2020, I am thinking that since there will not be any more younger people going into that plan, the premiums may go up quicker as we age.  May be time to rethink and look at Plan G when I get to my Birthday month.  In CA, within 30 days of our Birthday, we can choose a different Medigap Plan with the same or lesser benefits without medical underwriting.  I'm not sure if they can rate you differently than others due to those pre-existing conditions though.  I'm assuming that the Plan G is also Community Rated but have not looked into that yet.  Just trying to think way ahead since I can't do anything during this open enrollment period without penalty for pre-existing conditions.  If I've stated anything materially incorrect, I'd appreciate any comments/corrections.

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