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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 231 of 603

I have applied to switch from UHC to Anthem BC/BS in Indiana. I am switching from Plan F to Plan G to save some money. Plus, Anthem does include Silver Sneakers with all of their supplement plans. If I had gone with Aetna I would have saved even more money, but they do not include SS in our area. What a hassle it is to shop around and get on the phone with these companies. But it's worth it.

 

I've spoken to agents for 3 companies and they all said they've been inundated with UHC people who are up in arms about the premiums rising and the benefits dropping.

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 232 of 603

I also have switched from UHC plan F to Humana plan F in Arizona (same exact basic coverage, all F plans are the same), Humana still has Silver Sneakers. It saved me about $20 a month on premiums plus if I had kept UHC and paid 1/2 of my YMCA premium it would have been $30 a month. So switching has saved me $600 a year! I did not have to worry about underwriting because I had only been on medicare for 3 months.

I go through a broker, which I recommend....as it does not cost us, they are paid by the insurer.

 

My broker said we can change a Medigap plan anytime of the year (there may be underwriting....meaning you may have to answer a health questionnaire.) 

The things that CAN only be changed during open enrollment are Medicare part D (prescription) and Advantage plans.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 233 of 603

Yes, inrollment was easy and I found out something today that I didn't know, This may only be in Ohio but you can switch your supplemental insurance at any time not just during open enrollment period.  

Now I have a 3 year membership to AARP but i guess it's not there fault that UHC made changes, I would have thought they'd have some influence though!

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 234 of 603

I also switched to Medical Mutual in Ohio at a lower rate and very little underwriting. Don't let the thought of underwriting disuade you from applying. Unless it's a  major health issue you will more than likely be accepted in Ohio and it includes Silver Sneakers. Glad I made the change. I guess we were duped into thinking that by AARP endorsing a product that it would be the right choice for us.....Wrong!

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 235 of 603

you can also check the SilverSneaker web site for coverage!

Silversneakers.com

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 236 of 603

Thanks for all the replies and comments about UHC by AARP, I just got off the phone from changing my supplement provider.  I now have a plan that's $175 cheaper for the same coverage and it includes Silver Sneakers.

I live in Ohio and ended up going with Medical Mutual of Ohio which for right now looks like the plan for me, good luck to you all in finding the plan for you!

Just one more thing, I also had to find out from my gym that UHC was dropping the Silver Sneaker program, you'd think that our supplement provider would be the one to tell us!

 Thanks UHC for waking me up and saving me money in switching!

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 237 of 603

Be careful. I switched to another plan and was assured Silver Sneakers or equivalent was included but found out after I received all the information by mail, that I had to PAY for membership per month. So ask the question, is it included FREE?  Live and learn.  Unfortunately we have to learn from each other and not depend on uninformed customer service representatives.  

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 238 of 603

OK - so I called back today.  Completely dfifferent message - UHC are no longer going to support Silver Sneakers in California.  I will be switching to Blue Shield.  You have to wonder why the information is so confused...

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 239 of 603

Please be sure to check out the Medicare.gov page for pulling up medigap policies in your area as a great way to get information:

https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx

AARPTeri
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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 240 of 603

I want to clarify the California law for those people who have the AAPR-United Heath Care Medicare Supplemental plan.  In California, I found out it's really called the Guaranteed Issue Period.  We don't have an official "Open Enrollment" like the Medicare Advantage Plans.  In theory, I could change plans at any point during the year.  BUT if I do that the insurance company may or may not choose to give me a policy and it may be suject to "underwriting" where they look at my health, claims, etc.  The Guranteed Issue Period is found in the Califonia Insurance Code - Section 10192.11 (h)(1).  And I've pasted it below.  The bottom line is that within the 30 day period AFTER your birthday each year, you CAN change to a Medicare supplement polcy of the same or lesser benefit and the insurance company cannot deny coverage!

That being said, I intend to "shop" my coverage and will likely drop United Heath Care duing my 30 day period!  Good Luck Everyone!

 

(h) (1) An individual shall be entitled to an annual open enrollment period lasting 30 days or more, commencing with the individual’s birthday, during which time that person may purchase any Medicare supplement policy that offers benefits equal to or lesser than those provided by the previous coverage. During this open enrollment period, no issuer that falls under this provision shall deny or condition the issuance or effectiveness of Medicare supplement coverage, nor discriminate in the pricing of coverage, because of health status, claims experience, receipt of health care, or medical condition of the individual if, at the time of the open enrollment period, the individual is covered under another Medicare supplement policy or contract. An issuer shall notify a policyholder of his or her rights under this subdivision at least 30 and no more than 60 days before the beginning of the open enrollment period.

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