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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 121 of 638

Not a moot point. I switched away from UHC-AARP. I am disgusted with how they cancelled Silver Sneakers suddenly and without enough warning for many to change policies. I was able to switch to Medical Mutual AFTER the Dec 7 deadline because they have opened up a way to move over to them with NO health questions and open enrollment until I think June. If you are unhappy with this dirty trick, check into Medical Mutual now. I not only got Silver Sneakers back, but I am saving money every month!! Same Plan G, same great coverage. This applies to anyone who currrently has a Medicare supplement and wants to change to Med Mutual.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 122 of 638

I, too switched away from UHC-AARP. I am disgusted with how they cancelled Silver Sneakers suddenly and without enough warning for many to change policies. I was able to switch to Medical Mutual AFTER the Dec 7 deadline because they have opened up a way to move over to them with NO health questions and open enrollment until I think June. If you are unhappy with this dirty trick, check into Medical Mutual now. I not only got Silver Sneakers back, but I am saving money every month!! Same Plan G, same great coverage. This applies to anyone who currrently has a Medicare supplement and wants to change to Med Mutual.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 123 of 638

I , too switched away from UHC-AARP. I am disgusted with how they cancelled Silver Sneakers suddenly and without enough warning for many to change policies. I was able to switch to Medical Mutual AFTER the Dec 7 deadline because they have opened up a way to move over to them with NO health questions and open enrollment until I think June. If you are unhappy with this dirty trick, check into Medical Mutual now. I not only got Silver Sneakers back, but I am saving money every month!! Same Plan G, same great coverage. This applies to anyone who currrently has a Medicare supplement and wants to change to Med Mutual.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 124 of 638

I don't think we were getting anything for free.  We were paying for SilverSneakers as part of the health insurance package we were buying.  The presence of SilverSneakers made buying AARP-UHC insurance an attractive package.  In my case it was only a few weeks after beginning coverage with AARP-UHC that they changed what they were selling by removing SilverSneakers and replacing it with something that isn't nearly as good.  This changed my evaluation of the value of what I was purchasing through AARP-UHC from "attractive" to "unattractive".  Now I have the same package I used to have with AARP-UHC from Blue Cross - Blue Shield of Arizona for a little less money.  I came out of it okay, AARP-UHC loses my business and BCBS-AZ has a new customer.  Furthermore, I have no reason to renew my AARP membership.  I see only one loser in this situation.

 

The perks were part of the total package that AARP-UHC was offering.  Then they decided to change the package.  The result is a simple case of business economics.  Offer less value for the same price and you'll lose customers.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 125 of 638

I know same here, I can't get a straight answer from anyone. This is a mess but I don't want to pay when I was getting it free all this time.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 126 of 638

LA fitness waives the initiation fees.  What they do is automatically give you 50% off of their top membership but they are adding a racquetball cost to the membership. 

The membership for all clubs plus any state is 29.99 but they add racquetball courts to the membership which is an additional fee. So when I signed up it just didn’t give you the choice to not have racquetball. I play racquetball so it was fine with me, but most seniors don’t want that.  Another thing is they didn’t give the choice of just going to one club in which the membership is 24.99 a month.  Most people only go to the club near their home.  So what I am paying is 22.00 per month.  50% of  30.00 (15.00) plus 7.00 for racquetball and towels.  My club doesn’t have towels. I have to go talk to them about that.  

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 127 of 638

Thank you the information!  I too plan to sign up at LA Fitness in Pasadena using the UHC AARP Medigap Plan G benefit.  I need to know if 50% of all standard membership charges are covered, including the initiation fee, monthly dues, and annual fee.

 

I look forward to seeing what you find out and learning the procedures I need to follow to get the discount.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 128 of 638

This is my third posting on the topic of the dropping of the Silver Sneakers program by the AARP Medicare Supplement Insurance by United HealthCare.  I had the privilege of receiving a contact from the AARP Customer Service Department for assistance with my "transition" to the replaced fitness benefit offered by UHCin place of the Silver Sneakers.  The subscribers were promised a 50% reduction in the monthly dues along with several other benefits that I did not feel were worthwhile to my lifestyle.  LA Fitness is our gym of choice for its geographic location and accessibility, hours, etc.  That gym has its own procedure for membership under the new rules.  They have a dedicated website that must be accessed through the UHC sponsored website HealthYourWay.com.  The AARP Customer Service agent was to walk me through it.  Needless to say, when the gym membership prices appeared, they were nowhere close to the 50% discount.  The AARP agent made it clear to me that it was to be a 50% discount of dues, not "an up to 50% reduction of dues", and there were unresolved problems.  She sent the issue to her powers upstairs from her level of authority to research and resolve the issue. LA Fitness, in all graciousness and commendabilty, agreed to allow my wife and I continued access to the gym until the matter is resolved.  They also admitted to many problems with the transition.  So we sit and wait.  More to come when I hear it.  Thank you to everyone who has posted and those who have shared their opinions.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 129 of 638

Who put an AD for PlanNmedicare.org on this site, trying to get AARP members to use them for Medigap plans (like plan N).  Claiming because plan G will go up in cost more than N because it is a better deal?  Not mentioning 'Access charges', etc.

This is an abuse 

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 130 of 638

Kind of a moot point, now that the Annual Election Period is over. There is, currently, no mechanism to join a Medicare Advantage plan, if you were not already on one, until next AEP (October 15 to December 7th to then take effect January 1).

As to the other part, about the best Medigap plans being Plan F or Plan G, the latest research clearly shows that this, too, is no longer the case. Plan F is not available to those new to Medicare as of January 1, 2020. This is due to the MACRA act. This means that those remaining on Plan F, after January 1, 2020, will begin to see rate increases based on an ever-shrinking pool of members still on that plan, and no new members, at 65 (young and healthy), joining Plan F after that point. 

In layman's terms, we call this a sinking ship. It is anticipated that this will increase the already-poor rate increase trajectory of Plan F, which has, thus far, been THE landing place for anyone losing employer coverage (think G.E., UPS, AT&T) and having to accept those folks as "Guarantee Issue". This has been largely responsible for the higher-than-normal rate increases, unique to Plan F.

Plan G has been a great alternative to Plan F, with all of the same coverages with only the very-small Part B Medicare deductible to pay and then full coverage. The problem is that, again, January 1, 2020, Plan G takes over as the defacto specified plan that must begin to accept Guarantee Issue business, again - those older retirees that lose their work coverage and must be accepted without health underwriting, nationwide. The current trend already shows that Plan G plans across the country are already accounting for this with higher trends in rate increases. This begin mid-2018 in anticipation for the January 1, 2020 implementation of MACRA.

So what's left? Plan N.   Plan N also requires the payment of the Part B deductible once per year, and also has small co-payments when accessing services. Up to $20 for an office visit, $50 for Emergency Room. This means more participation in the plan costs, which also means a typical reduction of 20% or more in the monthly premiums. Those that are even relatively healthy will do far better being on Plan N with a lower monthly premium and out of pocket costs that only materialize at the point of service. Hospital admissions are still covered 100% without a deductible.

Plan N will not be subject to any Guarantee Issue provisions. Meaning, the only way someone can get Plan N (except in certain non-underwriting states) is to get onto Plan N via Open Enrollment when first eligible for Medicare; or, go through health underwriting questions. This means that the pool of those folks on Plan N will remain free of the mandate that Plan G will be under where they must accept some folks, regardless of health, and will not be a closed pool, like Plan F will be, to new, young Medicare recipients. 

You can see the research on this at http://PlanNMedicare.org


 

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