AARP Medicare Supplemental Insurance

When I first signed up for Medicare A/B I also signed up for Part D. One month later, I cancelled. I made one payment, and forgot about it. Now, 33 months later, I get a call demanding payment, or I will be turned over for collection. They automatically renewed me for 2010 and 11, even though I had never made a payment and never made a claim. Claim? I didn't know I even had insurance. They say they have been sending me a billing, but I receive so much direct mail from United Healthcare. I stopped looking at it years ago. It goes straight into the garbage.

My father, with the help of a social worker, enrolled in AARP Medicare Rx. It never paid for one of his prescriptions. I tried to cancel it for him and they said he could only do this during a certain time period months away. He has a $600 bill now, has never used the program, and now they are turning it over to a collection agency.

He is handicapped and only has social security and now is in a nursing home pending Medicaid approval. He does not have the money to pay for this and since it never paid for any of his prescriptions, this is a complete rip off! They are taking advantage of the elderly and something needs to be done. This is not right!

My mother, Eleanor **, is in a nursing home. She no longer needs her SecureHorizons Insurance. She will have medicare/medical. I am trying to dis-enroll/cancel her SecureHorizons plan. I have called and spent 20 minutes with one representative and today for over 45 minutes, of why the power of attorney for the health care is not valid. No one can give me a specific reason.

I have used this POA for many agencies, and no one has denied the acceptance of this document. I sent several fax memos to find out why the most recent faxes are dated 11/18/11 and today 11/28/1. I am having a local attorney to check this document tomorrow at 1:30 p.m., to check if it's valid. It's interesting to see how they accept the payments each month.

I have had a long-term ongoing inability to gain a refund exceeding $5 thousand but cannot find any information on who/how to express my concerns to. Every person I've spoken to sends me down the wrong path. I finally called a Health Insurance Commissioner who indicated I had a legitimate request and could file with them. I'd rather settle with AARP/United Health Care. No one in the company will give out a supervisor's name and/or department, address, etc. to contact. How can AARP allow this to happen to seniors whom they are supposedly their advocates?

Premiums exceeding $5 thousand paid to supplement insurance while on an Advantage plan is illegal. I will have to file with the Insurance Commissioner.

I have had AARP Plan F from United Health Services. Every single year since this program has begun, they will not publish the rates until the very last minute. It is now November 14 and the rates are still not available to the Washington Residents.

I have filed claims for the same treatments four times already. Optum, the service provider for Oxford, has lost them. They say they never received them, can't find them, "they are being processed," and a lot of other excuses. When I call for a resolution, they "can't talk to me" and so I have to call Oxford. When I call Oxford, they tell me they "have no information and that I have to call Optum". I have wasted hours and hours trying to get this resolved.

Promises of sending me their back records and giving out of any information regarding my claims have been made many times, but never acted upon. AARP insurance is probably great if you never file a claim. But I can tell you that it is not there when you need it. Find someone else other than AARP if you want insurance you can use. I gave them one star because if I gave none it might look like I overlooked it. They are worse than useless.

In order to obtain supplemental insurance at United Health Services, I had to join AARP. I filled out all the information and was turned down. I couldn't believe it so I filled out a second application. I emailed them and asked why, but I never got an answer. I have never heard of anyone being turned down on membership at AARP and because of them, I have no supplemental insurance. In MN, all supplemental go through AARP except at least the ones I can afford. There is no supplemental insurance; I will have to try elsewhere.

I enrolled with United Healthcare for Medicare coverage when I turned 65--almost five years ago because of the AARP affiliation. The premiums increased dramatically from year-to-year until the monthly premium for 2011 was going to be $180. I looked around, applied for and was accepted by Mutual of Omaha. My premiums for 2011 were $105--a decrease of $900/year or 40+% from the United Healthcare rate. United Healthcare pays (amount unknown) AARP for the affiliation designation so, obviously, AARP does not care how much their members are gouged.

My mother had her Medicare supplement through AARP with automatic payment from her checking account. When she died, I called several numbers that she had for AARP. Each number led to the same voice directory which had no option for reporting a deceased policy holder. I spent about four hours at a time when I was already upset and had many other things that I had to do. Finally I found a number for the visiting nurses association. They put me through to a live person who helped me. My next move would have been to go to the bank and cancel the automatic payment. I would have liked to see the look on their faces when the payment didn't go through. And they could have tried to put it into a collection agency, however she was dead and there was no way they could collect.

I have been trying to disenroll my mother (Annie) from the AARP Medicare Plan Rx Plan and I was informed that I could not disenroll her until October 15, 2011. The premium continues to add up and is now totaling $1010. Her member ID is **.

She has not utilized the plan since the day of enrollment. I continue to seek resources on this matter; however, I have gotten no solution. I am seeking advise on this matter because my mother continues to be billed for this premium and she does not have the income to pay for this premium since she is living on her social security. I would greatly appreciate some assistance on this matter.

My husband received his membership in 1/11 for Medicare Complete. He had his new patient visit with his new doctor. The bill was about 200.00 and he paid his co-pay. UHC never paid the bill saying the doctor coded the billing wrong. The doctor said it was coded correctly and refused to change it. We appealed the unpaid bill with UHC and was told this is a 60-day process. Now it is going on 75 days or more and every time I call them about the unpaid bill, there's no resolution and I am given excuses and they try so hard to twist my words.

In the meantime, we had received a letter showing that UHC did not pay the bill because they applied the bill to his non existent deductible. I asked if they found the error and why did they not pay the bill. I was told I had called many times about this service date. I asked if there was a limit on how many calls to inquire about a dispute and was told no, yet I am condemned every time I call.

Why does it take so long to correct their errors from January. His account is now past due at the clinic where we have always paid our portion on time before he had insurance. UHC has to date paid nothing towards his medicine or doctor visits and he is paying 115.00 a month to Medicare. Consequences are past due bill and collection letters, doctor not paid and high medicine bills at my husband's own cost. Every time I call UHC they try to ask questions about medical equipment and many other private matters that is none of their business. Also we think the first bill may have not been paid in the beginning because we did not answer their many health surveys. My neighbor was canceled by UHC and she thinks she was canceled for not doing the surveys.

When I became eligible for Medicare the Social Security adm. sent me a form to see if I was eligible for free drug help. Then I was atomically signed up by Social Security with United Health Care. Then they started charging me and said I could not un-enroll until November. I never used their product because I get my meds thru VA. They refuse to dis-enroll me. They need to be investigated by someone. This caused emotional stress.

I called to try and cancel AARP MedicareRX Plans because I noticed when I received my summary page that they are not paying a dime when it comes to my diabetic and high blood pressure medications. Every summary proved that I am paying it all by myself. My wife wrote a letter informing them that we want to cancel. They said that we have to wait for a specific time to cancel and that we must pay until that time. I have a bill now for over $220.00 and I refuse to pay them. They prey on people with fixed incomes and seniors that trust them to help. If I go to collections, so be it. I don't care! I refuse to pay their paychecks any longer. So if they are reading this, I don't care if you take me to collections. I don't have it anyway!

I send this company 47.90 each month. They might pay 10.00 on my scripes, the bad part is our medicare says I can't drop them until December 2010. You can bet they will be dropped. this company is getting rich off of us people, 65 and older and our medicare is letting them get by with it cause they do not want to do the bookwork.

I have Medicare Complete with secure Horizons (United Health Care). I have Plan B which lets me go to any doctor or pharmacy. My plan only reimbursed me $91 out of a $571 prescription. I was supposed to pay only $6. AARP is nothing but an Insurance peddler who gets paid by United, Hartford, and other insurance companies. They don't care about retired people. They are crooks.

We selected AARP Supplement to help when I retired to pay medical cost mainly Rx prices..since most of our providers accept what medicare pays. Okay, so I have hit the donut hole twice and having no clue that AARP does nothing during that period of time to help the patient. Why? Because they are one and the same..So I have paid for this coverage since 2003 and cannot see one thing they have done for me. Plus I have my homeowners, our auto insurance through AARP. I have read of others meeting up with this same complaint so I intend to drop every policy I have under this name plus advise all our acquaintances to beware. I pray I do not get the same runaround as I have read on this complaint page and these decisions can be expedited ASAP..

I want my February payment of $75.30 returned to me. I changed my coverage back to Humana because medical was not covered with the plan I had with AARP. I notified AARP in January of the change. I was told I would receive my payment back in six to eight weeks. After calling at least three times, the refund was processed on February 13th. I have not received it. I paid my payment one month ahead. I do not understand why I should have to wait on a large company for my money. Please help me get my money. Thank you.

My husband enrolled in AARP Medicare RX insured through UHC in 2007. He opted for the auto payment withdrawal from his social security check. When his SS arrived, we never saw a difference in the check which would indicate premiums were being withdrawn, so we called UHC/AARP and were told, "No problem you are signed up and covered." From enrollment (2007) to now (2010), all meds have been insurance covered.

On 1/26/2010, AARP/UHC sent a letter to over 42,000 plus people telling them their premiums were never paid. They said we wrote off all past year's premiums as bad debt except for 2009 and they want their money now! In our case, it is $1,010.80. "If you do not pay us you are cancelled and you will be put in collection." They offer you a payment plan of 13 months to "catch up" and no other plan. For us, that is $160 per month. You must make 2 separate payments both to different places. You can pay on the phone but when you go to do this the reps don't know what is going on, where to apply the payments and you don't know if this is going to current or "catch up" payments.

If you want to change Medicare RX to another company, you are out of luck as you can only do this during open enrollment period unless it is determined as a "hardship" by Medicare rules. So one must stay with UHC, pay them current and past due premiums or you have no drug coverage plus are turned over to a collection agency. UHC had to have known they were losing millions/billions of premium dollars for all these years. 42,000 plus people is only for the year 2009 that they want their money and they notified us after people could have gone with another company.

We should not be threatened with cancellation and collection for the financial blunders of UHC. Paying double premiums under their terms is a tremendous hardship on us. It is a form of elder abuse. It is giving us sleepless nights, not knowing how we can afford this or if we are insured or not. Many people who got this letter will not even know this happened as the letters look like junk mail. Many will be cancelled and totally uninsured. On the letters the person's name Sam G. Director Billing and Reconciliation is nowhere to be found. No one knows who or where he is. No one even knows who or what office the UHC CEO is at. We have nowhere to turn for an explanation or assistance. Medicare does not know, AARP does not know, Washington does not know.

Somehow, I was able to get a phone number that is AARP and UHC combined. They sound like a collection agency. When talking to them, they said they work for both AARP and UHC and this has been turned over to them. They basically say, "Too bad, pay or you are out and in collection". They say UHC turned this over to them. Isn't that against Medicare regulations that no insurance company can be tied to special organization? Whatever is going on here is outrageous. It is a complete failure of the Medicare RX program and system and what is going on in, congress does not help. It is an issue no one wants to get involved with. It is being shoved under the rug because of politics but we as senior citizens are being used as scapegoats. Please help us.

My husband and I enrolled in AARP/MedicareRx Plans (MRP) for 2008. We decide it would be less expensive for us to cancel the plan and just pay for any meds necessary. The information on all billing received from MRP states that if we wished to disenroll to 1- send a written request or 2- call 1800medicare. I attempted several times to reach someone at the number by phone at different times of the day and nigt beginning in early December 2008, but always spent 30 minutes or more on hold with no one answering until finally I was able to actually talk to a representative later in the month, only to be told the request must be made in writing. (Why offer both options to disenroll if it must be done in writing?) I immediately sent the request on behalf of my husband and I by then approximately December 30, 2009 (we both sighed the written notice). In January 2009 we received a premium notice, which we assumed to be oversight on MRP's part. Each month thereafter we have received notices, with overdue notice as well. We have tall several times since, finally talking to a representative who told us we failed to disenroll during the proper dates.

I explained my attempts to telephone and finally was told to do a written disenroll request. The representative said it was not received until early in January 2009. We do not control the mail deliveries or how quickly MRP can enter disenrollments into their system. Were they so overwhelmed with disenrollment requests that it took until early January 2009 to enter them into their system? Excuse me - did they look at the postmark--evidently not because after several letters and telephone calls, we still receive overdue premium notices. We have not used the MRP for any meds in 2009 nor have we attempted to. We feel as though we are being harassed by the monthly billings and have finally notified United Healthcare of the same AGAIN. It appears they are violating the Fair Debt Collection Practices Act, although it is not really a debt we have incurred. What can be done to stop this deceitful practice on the company's part. We did everything we were instructed to do. MRP should also eliminate the option of disenrolling by phone, or get their stories straight. We are very unhappy about this entire situation and do not intend to pay for something we properly terminated and did not use or want in 2009.

I can no longer afford the prescription policy I had through this company. They require that you fax a cancellation request to them rather than being able to cancel your policy online. A real inconvenience when you don't have a fax machine. After several attempts at faxing them at a mail store (busy line) I was able to send the fax through on April 22nd. I have my fax receipt showing it was sent that date. Today, I see that they have once again sent a debit through my checking account, and now my account is overdrawn and I have a bank fee on top of that. I tried to call their toll free number this morning, but, got a automated message saying that because of the volume of calls, there would be a longer than usual wait for a customer service representative. I can't wait for long periods on the phone due to my limited cell phone minutes.

How can it be so easy to apply for an insurance policy, and so difficult to cancel one? I am beginning to believe that AARP is just a giant company that has lost contact with the population they say they serve. Their name is everywhere on all kinds of products, and I am losing my respect for them as an entity that represents the older population. I tried to contact AARP about this problem a couple of months ago, but, could not find a way to contact them. I just want my insurance policy with AARP Medicare RX (through United Healthcare) canceled as of April 22nd. And, I want them to contact my bank and reverse the debit they sent to my account. I plan to stay away from anything that has AARP associated with it from now on due to this very unpleasant experience.

My wife and I have tried, on several occasions over the last week, to enroll on line in the AARP Medicare Part D Insurance Plan, which is is really UnitedHealthcare, and after spending much time filling in all of the information all the way to the end, we could not finalize our enrollment because the button would not respond and nothing happened. We then spent a long time going over all of the information by phone that we had put into the website. I mentioned to two different agents that their website was not responding , and they could care less.

No economic or physical damage, but a waste of 2 hours of our time, which has economic value to us. We tried to find a phone number or webpage to make our complaint directly to AARP and UniyendHealth and could find none.

1-800-325-0078

IODICE FAMILY

When I took out part D prescription coverage with AARP I elected to have it come out of my SS check. In September I received a letter from AARP stating I owed them 3 months (July, August & September). When I called I was told Medicare had notified them they were no longer deducting the premium from my check yet my SS check has remained the same amount during this time. I was told I needed to contact Medicare for a refund. When I contacted Medicare I was told they had nothing stating I was cancelling my deduction. I then called AARP where once more I was directed to Medicare.

On 11/11/06 I talked to a Skip in AARP research and when he stated again that Medicare had notified AARP (United Healthcare) that they had stopped taking my premium out of my check. I asked for a copy of that notifacation and was told it was most likely electronic. I still insisted on something from them. I also told him that AARP should look for a qlich on their end as Medicare told me the premiums were still being sent to AARP.

I don't feel it is my responsibily to tract down where the problem lies and this has caused me several weeks of heartache & worry. At least Medicare assured me I would not lose my benefits because of this problem, but I would breathe much easier if it were resolved rather than continue sending me on wild goose chases.

No physical damage but a lot of anxiety. As to economic AARP wants me to pay again for the months that as far as I am concerned have been paid. I have told them I cannot and will not pay double...