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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 271 of 625

You need to look at exactly WHEN you can change.  I'm in California and since I had a "Medicare Supplement Plan", my 'open enrollment' is the month of my birthday.  Check this out carefully for your situation.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 272 of 625

Really disappointed to find this out, just got on Medicare 3 months ago and went with UHC by AARP but now that they are dropping silver sneakers I’ll be looking for another provider next year.  Would have been nice to know this in advance.  One other thing that rubs me raw, after signing up and before my coverage even began I got a notice that rates are also going up next year.  

A member for less than three months and very disappointed!

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 273 of 625

The "birthday rule" is currently only available in California and Oregon.  Basically, the rule allows Medigap enrollees a 30 day window following their birthday each year when they can switch, without medical underwriting, to another Medigap plan with the same or lesser benefits.  If you live in one of  those states you still have the regular open enrollment period as well, but are subject to the medical underwriting during that period.

 

In New York and Connecticut, Medigap plans are guaranteed issue year-round.

 

 

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 274 of 625

Dont know anything about the "birthday rule", but my "agent" is Aon which is through my former employer.  I have signed up with Humana plan F which is cheaper than UHC and includes  Silversneakers. You may just want to look at the Humana web site.

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 275 of 625
I would love to talk with you and get information on your agent! The agent who sold me United Healthcare does NOT offer Anthem or Blue Shield, etc. etc. I really need to understand the "Birthday Rule."
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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 276 of 625

We are in California (San Diego county) and have just wrapped up our review with our agent.  We will be changing to Blue Shield Plan F Extra.  I can change Jan 1 under the birthday rule (I do have a pre-existing condition) and my husband should be able to change at the same time because he doesn't.  We compared it to Plan G and the extra premium will be offset, probably a little more than offset, by the vision care allowance and there is a slight possibility we would take advantage of the hearing aid allowance (though it will probably be difficult to beat Costco).  We basically settled on comparing Blue Shield to Anthem. I have a preference for Silver Sneakers over Silver & Fit for our own needs so that eliminated some other carriers. Anthem had the better pricing for Plan G for our situation.  

 

I don't completely understand the Community Rating and know there is a possibility that 10 years from now, I might look at UHC pricing and think it looks better than whatever Age Attained rated plan we are comparing it too, but once I factor in the gym membership, I think it will look OK.  For now, UHC was going to increase $336 in April and our new insurance that includes Silver Sneakers and Vision Care we will definitely take advantage of will be $318/month for 2019.  Once I I settled on comparing just the 2 carriers, I could review their rates for the same plan at varying ages and wasn't totally scared by what I saw.  

 

If you don't have an agent to help you narrow down the choices and answer your questions, get one.  They are paid by the insurance companies, not you, and represent many companies.  If you are stuck with UHC until you can take advantage of the birthday rule and your birthdate wouldn't let you make the change this December, wait until a few days after December 7 Open Enrollment ends before contacting an agent - they are extremely busy right now with people reviewing their Avantage Plans.  

 

However, this is the time to review your medications and make any change to your Part D Plan.  I changed ours yesterday and will save over $200/year given our current prescriptions, all Tier 1 generics.  

 

Now I will just have to decide if the Denny's discount is worth keeping our AARP membership.  I do enjoy the magazine, but I am pretty mad at them right now so.......

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 277 of 625
I too live in California and have RA. I got Plan F when I went on Medicare a couple of years ago at 65. I am desperately trying to figure out what I can and can't do! IF I'm reading your comments correctly, I CAN change to Anthem or someone else within 30 days of my birthday without going through underwriting! That means I'd only be stuck with United Healthcare until April. I think you're right that Plan G under United Healthcare will be community rated. The ONLY different is the payment of the $183 deductible. And if the premium cost is more than the $183, you're ahead of the game. I plan to call the CA Insurance Commission as I really don't want to do anything that messes me up and I can't seem to good answers from people!


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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 278 of 625

Thank you, that was my video (comparing Plan F, Plan G, and Plan N over the last few years with their rate increases). I'm glad it was helpful. (Link removed due to TOS - no advertising).

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Re: Silver Sneakers being droped by AARP recommended insurer - Solution for Me in Ohio

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Message 279 of 625

Through a local Ohio senior benefits company, I was able to switch to a similar medigap policy through Medical Mutual Insurance Company, which has and continues to offer Silver Sneakers.  But not only that, but for this enrollment period only, Medical Mutual does not ask any medical questions whatsoever, accepting anyone who currently is enrolled in AARP/United Healthcare, no questions asked and therefore no rerating based on medical history.  Additionally, my monthly premium for Plan F for my 70 year old self is actually $181.41/month versus AARP/UHC's monthly premium of $ 204.12, a monthly savings of $22.71. 

 

However, I did not go with Medical Mutual's Plan F, choosing rather to go to Plan G.  Plan G's coverage is identical to Plan F, except I'm responsible for paying the Medicare Part B deductible, which for 2019, is $185.  But, the Plan G monthly premium is just $134.58, a monthly savings of $46.83 over Med Mutual's Plan F.  If you do the math, the annual premium savings is $561.96, so if I agree to pay the $185 part B deductible myself through Plan G, I realize a net annual savings of $376.96.  This is the option I chose. 

 

This means that I can bid AARP/UHC a not-so-fond farewell at the end of the year and go with a provider that actually seems to care about it's policy holders.

 

Good riddance, AARP.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 280 of 625

I currently have UHC Medicare Complete in Missouri.  I contacted UHC after receiving my new membership card last week but never getting any information on changes to my plan.  I specifically asked the representative if Silver Sneakers was being dropped from my plan.  She said she had no knowledge of any changes to the program in my plan.  Obviously she lied to me or is totally clueless because when I kept hearing rumors of UHC dropping Silver Sneakers I contacted UHC again and did an online chat session.  The rep informed me that yes, Silver Sneakers was being dropped from my plan.

If UHC lied about this, what else have they lied about or will lie about?  I'll be switching to Essence Health Care and hope that they have better morals. 

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