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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 351 of 666

I was told that it is a state by state change but CT is out and so am I.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 352 of 666

Good bye United Healthcare.  You drop my benefits and increase my costs and you will not have my business.  My gym membership is $40/month which means my costs are going up by 25% just with this change.  I have had United Healthcare coverage for many years through my employers and enjoyed my suplemental policy very much.  I hate to leave this company but they have forced my hand.  I hope your loss of members is worth it United Healthcare!!!

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 353 of 666

@wonsettler wrote:

Is not a plan G identical to plan F except they don't pay the Part D deductable? And the part G premiums are low enough to easily cover that deductable plus some?


Medigap Plan F is the same as Medigap Plan G except that under Plan G you have to pay out of pocket the Medicare Part B Deductible - $ 183 for 2018 and I think it is going to $ 185 in 2019.

And a few other things are different too - excess doctor charges, some foreign coverage - Plan F is the cadillac - 1st dollar coverage.

Chicago Tribune 09/10/2017 - Why seniors should choose wisely when selecting Medigap supplement insu...

 

As to the premiums for Plan G ( Medicare has "Parts" - Medigap coverage is by "Plans") -

The expense of the premiums is based on how they are rated initially, when you first sign up and how they rise afterward - and I guess the size of your pocketbook.

 

Medigap coverage is ONLY GAP insurance that works with traditional Medicare.

Only about 25% of seniors on traditional Medicare have a Medigap or supplemental plan.

Some have extra help because they are low income and others even lower income have Medicare and Medicaid.  Some beneficiaries just pay their Medicare 20% of the cost out of their pocket and try to keep their care cost low.

 

Others, about 30% (and growing) of all beneficiaries, use a Medicare Advantage plan to get their Medicare benefits. 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 354 of 666

"Yes" to the first part of your question; and  "usually" to the second part.

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 355 of 666

Is not a plan G identical to plan F except they don't pay the Part D deductable? And the part G premiums are low enough to easily cover that deductable plus some?

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Re: Silver Sneakers being dropped by AARP recommended insurer

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Message 356 of 666

I'm looking at a Humana plan G. It appears the same as the AARP UHC plan F except it doesn't pay the Part B deductible. ($185 for 2019) The Humana G  premiums are currently $30.00 per month less than the UHC plan F and in April they will be $49.00 less per month less and Humana provides Silver Sneakers for 2019.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 357 of 666

@John85259

 

This is from BCBS Medigap - Arizona 2017 premiums and ratings outline  booklet.  You can see it at the link (end of booklet) since the pdf does not always  copy and paste completely correct, you can look at it there.  I could not find a more up-to-date one but I am sure you SHOULD have gotten one.

https://www.azblue.com/~/media/AZBlue/Files/Misc_PDFs/Med_Supp_Outline_of_Coverage_Broker.pdf

 

Make sure that everything is in writing from the horses mouth.  To make sure there is no misunderstanding down the road.

 

Read your policy very carefully This is only an outline describing your policy’s most important features. The policy is your Medicare supplement insurance contract. You must read the policy itself to understand all of the rights and duties of both you and Blue Cross Blue Shield of Arizona.

 

Right to return policy If you nd that you are not satis ed with your policy, you may return it to: Blue Cross Blue Shield of Arizona Enrollment Services Department P.O. Box 13466 Phoenix, Arizona 85002-3466 If you send the policy back to BCBSAZ within 30 days after you receive it, BCBSAZ will treat the policy as if it had never been issued and return all of your payments.

 

Policy replacement:   If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it.

 

Notice • This policy may not fully cover all of your medical costs. • Neither Blue Cross Blue Shield of Arizona nor its contracted brokers are connected with Medicare. •

 

This outline of coverage does not give all the details of Medicare coverage. Contact your local Social Security Of ce or consult “Medicare & You” for more details.

 

Complete answers are very important When you ll out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history. Blue Cross Blue Shield of Arizona may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information.

 

Review the application carefully before you sign it. Be certain that all information has been properly recorded.

 

What Medicare.gov says about changing a Medigap policy -

 Medicare.gov - Switching Medigap Policies

 

How to switch Medigap policies

If you decide to change insurance companies, call the new insurance company and arrange to apply for your new Medigap policy. If your application is accepted, call your current insurance company, and ask for your coverage to end. The insurance company can tell you how to submit a request to end your coverage.

 

Medigap free-look period

You have 30 days to decide if you want to keep the new Medigap policy. This is called your "free look period." The 30-day free look period starts when you get your new Medigap policy. You'll need to pay both premiums for one month.

 

Don't cancel your first Medigap policy until you've decided to keep the second Medigap policy. On the application for the new Medigap policy, you'll have to promise that you'll cancel your first policy.

 

I am not doubting anybody here about their ability to switch to another Medigap policy /insurer without underwriting - but it does help to make sure that policies and ratings are understood correctly and you use the Protections in place if a problem does crop up.

 

 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 358 of 666

I ‘m leaving aarp/united healthcare also

signing up with anthem blue cross I have a medigap plan that will save me $100 a month plus have silver sneakers.  I’ve been with the previous plan since 2006

i’m glad aarp/united healthcare made the change.  They saved me a lot of money.

Happy I dropped them!

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 359 of 666

Here's the latest news from my corner of the universe.  Last Sunday, Oct 27, 2018 I signed up with Blue Cross Blue Shield of Arizona for Plan F, which is the plan I had with AARP-United Healthcare.  BCBS-AZ coverage will start on Nov 1, 2018.  I didn't give them much notice and they won't have all the paperwork processed for another week or so, but they told me that my policy will be in effect on Nov 1 and they'll send me the paperwork in the next week or so.  I got this story from the drug plan side of BCBS-AZ and the Medicare supplement people at BCBS-AZ so I'm confident that they are giving me the straight scoop.

 

Today (Oct 30) I called AARP-United Healthcare and told them that I would be leaving effective end of day Oct 31.  The person I spoke to asked why I was leaving and I told her it was because of the absence of SilverSneakers in their 2019 package.  I told her I had done a fairly exhaustive evaluation of insurance plans before I signed up with AARP-United Healthcare and I had every expectation of being a long term customer, but this changed only 3 weeks later when they sent me a letter saying that SilverSneakers would be gone in 2019 and replaced with something much less appealing.

 

Whether hearing this will have any effect on what United Healtcare does in the future is anyone's guess.  My guess is that the corporate weenies who run the show have made a commitment that works in the favor of United Healthcare and this will make them shine in the eyes of their superiors, so the chances of anyone making an effort to restore SilverSneakers are likely to be zero.  There's always the chance that someone with commonsense and the welfare of their customers in mind will rock the boat and try to restore SilverSneakers to their Medigap customers, but in my opinion it's more likely that the Moon will fall into the Pacific Ocean long before that happens.

 

An interesting insight was offered by the guy I spoke to at BCBS-AZ.  He told that he's talked to a good number of AARP-United Healthcare customers who are looking at BCBS-AZ.  He said they typically ask two questions.  The first question is whether BCBS-AZ has SilverSneakers or something similar.  (His answer is yes, they have Silver and Fit.)  The second question is whether BCBS-AZ has any plans to discontinue Silver and Fit in the future.  (His answer is not as far as he knows, but things could always change.)  So it appears that others are considering changing their insurance provider.

 

The price for Plan F from BCBS-AZ is a couple dollars a month cheaper than AARP-United Healthcare.  Their drug plans are almost exactly the same price.  There will be an inflation-cost of living increase in April, which has been 2%-3% for the last few years.  Later in the year in the month of my birth there will a second adjustment that is due to me being a year older (and probably not a year wiser but we'll see...).  He told me what that amount would be and it was the same as what I would have paid with my AARP-United Healthcare insurance, but I didn't write it down.  About $20/month is the increase that comes to mind.  When I hit 73 the age related increases will stop and I'll be paying full price, which currently is $260.38/month.  (I happened to write it down so I have it at hand.)

 

I began my experience with AARP-United Healthcare in September and it will be coming to an end after only 2 months.  I'm glad that I found an alternative that is the same price and has the added benefit of Silver and Fit, but I'm unhappy that I had to go through all this nonsense because United Healthcare decided to ditch SilverSneakers and replace it with something that isn't nearly as good.  It may not have been important to them, but it's important to a subset of their customers and we are voting with our checkbook.

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Re: Silver Sneakers being droped by AARP recommended insurer

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Message 360 of 666

UHC its been nice but I'll search for another plan with Silver sneakers, my primary physician and the other benefits.

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