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I recently forced myself to seek help for bipolar disorder, accompanied by intermittent explosive disorder and PTSD. Seeking help this way was not easy for me to do. The doctor prescribed ** in a graduated dosage. AARP does not cover this basic, tier 1 medicine. So now, I not only don't have what I need to help me, but I actually have yet another problem... Just what I DON'T need. I feel like because I am old and poor that the "system" doesn't think I am worth fixing, or even human, for that matter. So, as far as I am concerned, and because of their obvious lack of concern, AARP has failed monumentally in their stated mission and as fellow human beings. Obviously, to AARP, money is more important than helping people.
I signed up for AARP membership as a condition of obtaining UHC Medicare supplemental insurance. Since signing up, I routinely get mailings indicating I need to renew my membership, even though it has months remaining on it. Each mailing contains dire warnings about the membership lapsing. I think of my elderly parents, and how they would be taken in by this, perhaps paying the membership fee repeatedly and not realizing that it was unnecessary. That combined with the lousy customer service from AARP sent me searching for an alternative. Since I need to keep my UHC insurance, I emailed and asked if AARP membership was necessary AFTER signup. Turns out, it ISN'T. Yes you can have UHC Medicare supplemental insurance and you DON"T HAVE TO BE AN AARP MEMBER. Nowhere will the AARP materials or website tell you this. AARP does not have the best interest of seniors at heart - only its bottom line.
My wife and I have separate checking accounts and receive our respective S.S. checks deposited in each respective account. I have been enrolled in an AARP/United Healthcare supplement insurance plan for 5 years with premiums being debited monthly via their EFT agreement from my checking. My wife is about to turn 65 and has signed up with UHC. We believed that we could have each of our premiums respectivly deducted from each checking account. But UHC refuses to do this because they say our AARP membership is a joint membership. However, they do agree that they will process, and keep each of our claim info, and history separate, so why can't they bill separately??? Poor policy agreement and customer relations on AARP's support and relations with UHC.
I am 66. I received a flyer from AARP recommending United Health as a Medicare supplement insurance. I had and have a supplemental Insurance with Aetna. However, I was looking for another plan that might eliminate co-pays. I Chose Plan N and called their customer service. Approximately on November 27th, 2018. I asked them to send the application to me and never received one. So, I called on Dec. 24, 2018, and the representative told me he didn’t understand why I hadn’t received it. Then I again called on January 15 2019, I decided to apply over the phone. I answered all questions honestly. I had Cancer in 2011 but was not treated for any Cancer in the previous 3 years (which is a question they ask).
On February 2 I received an email stating my coverage had changed. I did not check it as it was a Friday - I should have. On February 5th (Monday) there was a debit of $422 dollars from me and my partners checking account (he has just turned 65 and decided to obtain the same plan) and he had a monthly payment of $160 dollar and mind was suppose to be $162. When I saw the $427 debit for both of us I thought that included a few months. I called their customer service and they explained that was only for the month of March. I was very upset and asked that they terminate my coverage and refund my money. They would not but would not give me a refund but a credit would be applied to 2 and 1/2 months of my partner’s premium.
Later that week I received in the mail of an explanation of the monthly amount of my monthly coverage: it was to be $267 and this was to be $160. But that was only for March. In the following months the monthly debit would be $588 meaning my premium would be $428 or $5,126 annually. I received yesterday, February, 11, 2019, another letter explaining why now I was only qualified for Level 2. Though I had answered all the questions honestly, the underwriter had investigated my past Cancer in 2011 (which was an open book) and also contacted a company called “Exam One” a subsidiary of Quest diagnostics.Supposedly they had sent information that not only had I had Cancer but that I had history of COPD, Chronic Bronchitis, Emphysema and that they had received this information from my primary Doctor. This is untrue. I contacted my Doctor and he went through my records and found nothing of that nature listed. He has generously told me to have Exam One contact him and I will. Though you cannot speak to a representative and they will only mail you the information.
I am so disappointed in AARP - I thought they were supposed to help seniors. I will never use, or apply, to any affiliates recommended by them ever again. And as for United Heath, I am reporting them to “Shield”. It is now obvious why they never send me the two applications: I was a high risk and God Forbid I had a relapse and have to pay.
We are in desperate need of Insurance reform and we definitely need a “ one payer” system. So, remember, be careful when you choose your open enrollment at 65 because if you get sick and want to change supplemental care... And shame on AARP. I, and many people trust AARP but if you read the small print, as I did, they get a cut. I am not finished with my investigation and if I could get the name of the underwriter. They explained what the pan covered.
This insurance has been overcharging us for vision services for the last 3 years, after a year we even got them to issue us a check for part of our appeal (they never process all it, no reason given). The check never arrived. We are going to file an appeal with Medicare and the state. Nobody to talk to.
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I switched to the AARP United Healthcare Complete HMO plan Jan. 1, 2019 in Oregon. Their provider list is severely outdated. Every doctor on their list that I have tried to get an appointment with is no longer a provider or not even practicing what they are listed for. You have to have a referral from a primary care doctor for every service other than your primary care provider. I needed cataract surgery, had to have a referral for the eye exam, another referral for the eye surgeon even though the surgeon is part of the office I was referred to for the eye exam, now I will need another referral and prior authorization for the surgery. I have spent hours on the phone with customer service reps. trying to get basic care covered. Takes weeks to get appointments. I would hate to have something serious. Dying is easier than getting medical services approved.
My premium rose over $30 per month in less than six months with more increases to come. It just keeps going up. When I switched to another insurance carrier, they still withdrew a premium from my bank account. It has been over a month and still no refund. I don't know how anyone affords their product. Customer service obviously is not a priority part of their extreme premiums.
I just switched to this Medicare Advantage plan after several years with a different plan at another company. Now I am told that I cannot rely on (1) my summary of benefits, which tells me I'm covered for a routine eye exam every year, or (2) the "Search for Provider" online which tells me my optometrist is on my plan. They're telling me that my optometrist is not contracted for routine eye exams with United HealthCare, but only for medical diagnoses. How on earth would I know that in advance of making my decision to enroll in this plan? After I enrolled and created my own account, it still shows my optometrist as on the plan and accepting all patients. But NOWHERE does it show that this provider can only provide certain services, and not all vision services listed on my Summary of Benefits. I am now regretting making the change to this plan. What else am I going to find out that they didn't tell me up front?
Repeated and extended calls trying to disenroll from Advantage plan. They repeated lied and gave contradictory reasons for repeatedly refusing to approve disenrollment. We were refused until it was past the disenrollment window. We were told to resubmit in January - having to pay for one month, someone else there said 3 months. In January we resubmitted disenrollment and were told we were not eligible to disenroll! They said there was no appeal. I called Medicare and they promptly disenrolled. The further details of what they said to us on each of our many calls appears to be incompetence/poor training but more so expressions of a culture of manipulative, dishonest, predatory, venal ways of doing business.
I have been a member of AARP UNITED HEALTHCARE Part D Medicare plans endorsed by AARP since their inception. Yesterday, 1/3/2019 I went to my pharmacy for ** which has cost $45 as a Tier 3 Brand name. The druggist said that the current copay is $445 and has been changed to the generic formulation. A 1,000% increase for a generic version of ** didn't make sense to either of us. After a lengthy call to United Healthcare we were told that the plan changed December 29, 2018 less than a week before. I received no notice despite them have my phone number, email, and mailing address all of which they have used to contact me in the past. Needless to say I did not obtain the refill.
Upon my arrival at home I called the same and was simply told the change occurred stated and in essence my total drug cost would double to about $9,000 per year and they stated that they informed me. Now what sane person would accept a 1,000% increase in a covered brand name to generic version for a 1,000% increase. They insisted that I was duly informed and that they also moved almost all of my other prescriptions from generic Tiers 2 and 3 to Specialized Generic Tier 4 basically doubling me cost. This is unconscionable. fraudulent unethical and immoral as far as I am concerned having been a member since Part D began.
Luckily, because of Hurricane Florence the enrollment period has been extended allowing me to choose a plan by Mutual of Omaha or BCBS of NC at a huge savings and coverage for all my drugs at half of the total annual costs for a quarter of the premium ($20-$40 as opposed to $82 for AARP). I believe that there are many other plan participants who are going to be greatly surprised when they go to purchase their prescriptions and BAZINGA they discover the huge increase in coverage. I strongly urge all AARP members to abandon United Healthcare and investigate these other providers. I think their savings will be greatly appreciated. LAWRENCE **, NEWPORT, NC AARP member since 1978.
Seniors are on limited budgets but our supplemental insurance continued to increase. Silver Sneakers classes are the only exercise many of us are able to perform. It helps keep up moving and less likely to have more health issues. Bring back Silver Sneakers!
I am still on hold after 65 minutes! 5 transfers later and still not with the correct department... All I want to do is change my UHC plan from J to F! People do not know their jobs! One transfer should be enough. Completely dissatisfied. Would give no stars if I could.
We mistakenly thought there would a reasonable level of service with this program since the AARP name is associated with it. What a mistake. It took us hours of phone calls just to get an application. Service went downhill from there. Totally inept staff. AARP should be ashamed to have their name associated with United Healthcare. I called them directly. They didn't care.
My cost just went up $33.00 and that is another chunk out of my Social Security. My total cost is $365.63 for this supplemental insurance starting Feb/2019. Yikes! What will it be next yr. Does this ever end or are we being priced out?
I've been enrolled in AARP/United Healthcare PPO for five years now. I've always been happy with services. Any time I call customer service, they are eager to help with correct answer. I've never had a claim denied or even questioned. When I had emergency appendectomy, the bill was over $52,000. My portion was around $1,100, so I was happy to pay. The only small complaint I have is that United Healthcare covered Silver Sneakers when I first joined, and then they dropped coverage. If you want patients to be healthy, why don't you pay for exercise classes? It would save you money in the long run. Overall, it's a great company and I'd give FIVE stars if they included Silver Sneakers.
I have no complaints so far with AARP United Healthcare (other than raising the monthly price about every 6 months). But I just received a letter saying they will not cover SILVER SNEAKERS anymore and offered 50% off gym price... That's way too expensive. The Silver Sneakers has been the only exercise I get and it's a healthy outlet to be with others to talk to exercise with and be treated nicely at the 24 hour gym. I'm sure going there keeps me healthy but now maybe I won't be so healthy because of AARP United Healthcare in January will no longer pay for it. Maybe I have to change insurance!!!
I've been with AARP, United Healthcare Advantage plan for 2 years. The delivery of service and coverage has been flawless. I've just received my plan update for 2019 which has explanation of a few changes, all are very reasonable. I don't feel the need to consider any other company. 5 star service, they're really great.
AARP/United Healthcare use and define the hospital status of "under observation" to their profit advantage. Here is the detail: 19 days in hospital. 17 days in Skilled Nursing Facility. Rushed to emergency room (Congestive Heart Failure), held in observation for 48 hours. Returned to same room at Skilled Nursing Facility for 18 days. AARP/United Healthcare will not pay the remaining 18 days because of the "observation" status. Medicare paid their portion without any issues. Read the fine print before purchasing any of their policies.
What they won't tell you, but you'll learn soon enough is that the price of this coverage goes up every year to a total of $200/month. It may seem like a good deal at the beginning, but you'll end up paying for it in the end. This was NOT mentioned in the original contract.
I like many things about AARP. Although AARP doesn't always provide as much help as is needed, they have provided a lot of help with various medications, prescriptions and many other medical issues that have been needed over the years especially as I have gotten older. I have had a very good experience so far and am happy with my experience with them.
AARP is a great company. They offer great coverage for many things like hospital stays and visits, yearly checkups and examines even teeth cleanings. In addition, they offer a great app to remind you of appointments for doctors visits. I get reminded to take my meds daily or when needed at the moment. But even though I love everything about AARP I would like if they offer more free wellness programs to let consumers know what their company is doing new yearly.
My Insurance covers Hospital, Doctors, Prescriptions, Eye Glasses and Basic Dental Care, for only $45 a month, with very reasonable co-pays and out of pocket money I have to pay. I have been very pleased with United Healthcare, the website is easy to navigate, customer service is excellent, when had cancer they covered much more of the costs than I had expected.
It is easy to enroll and their customer service reps were excellent and well informed about their plans. Claims handled very promptly and I could see any doctor and not stuck in a network. However, their premiums seem higher priced compared to competitors. But other than that, I like their Nurse on call health lines to discuss general health care issues. I also like the free gym membership from silver sneakers and the good quarterly health publication from AARP with excellent health tips. They are a compassionate provider that cares.
I have had AARP since I first started on Medicare. At that time they gave a big discount off the initial price. Every year since then a 5-10 percent discount has still been given till it totally ends in a year or two. To date I have had two operations, six hospital visits, numerous specialists, hospital procedures and blood tests. The only charge I ever had was one blood test. Medicare would not pay for a charge of 93.00. However, it would be nice if I could pay less and I can go to any dr, specialist, hospital, lab anywhere in country.
My experience with AARP has been great. My family recommended this company to me and I am glad they did. Even though I would like to change the price, I love that AARP covers and meets all my needs. I never have to worry about my coverage with this insurance and I like that I don't need to pay high copays. I trust the company and would recommend it to someone else.
My whole experience with AARP was enjoyable and interesting. It will be one I always will remember. Friendliness was at the top of my list of favorites. While making it more efficient and easier to use would be an improvement, if asked I would do it again.
I am happy that I have an insurance that seems to care about me and wants the best they can offer. They are very dependable and have great doctors when I need help. I have the doctors I need and do not have to seek too much information when I have to go to a consult or I need a surgery. Also, they have good customer service when I have questions. The online chat is very helpful and I can contact someone when I need to. Plus, the rates are reasonable.
The company is a great company for medical insurance. The insurance has never let me down and it always there to help. They pay all hospital bills and I have been with company for a long time and I never had any problem. I love this company.
They offered great customer service and helped me with all and any questions I had. They explained everything to me and made sure that I did not have any questions. Plus I love that they find out the answer from a supervisor if they did not know it. I would like to have more online options though. Technology is moving so fast and it would be so much better if we could access more items on their website.
A: I love their customer service, their ability to answer all of my questions or the iniciative to go and find out the answer from a supervisor if they did not know itQ3: STILL THINKING OF THE SAME COMPANY, WHAT FEATURES DO YOU DISLIKE OR WOULD YOU CHANGE ABOUT THE COMPANY? PLEASE INCLUDE AT LEAST 150 CHARACTERS.
A: I would like to have more online options. Technology is moving so fast and it would be so much better is we could access more items online on their web site.
This company really puts in a lot of effort and interest in your personal situation. They make everything very clear and they make it known that they are here to help and make things easier. They have a genuine care for you, they let you know the range of options I have and what they think would be best suited for me. Everything they offer is reasonable. AARP should offer more types of discounts for recurring customers to show that they appreciate loyalty.
AARP expert review by Cyril Tuohy
UnitedHealthcare provides AARP branded Medicare supplement insurance. The AARP organization does not act as an insurer. Only members of AARP can enroll in this coverage.
Free Nurse HealthLine: Those with AARP supplement insurance have complimentary access to Nurse HealthLine for 24-hour a day assistance. Nurses can help consumers decide if they need to schedule a doctor’s appointment or visit the ER and answer questions about both prescription and over-the-counter medication.
Vision care discounts: Consumers with AARP supplement insurance receive discounts on corrective eyeglasses and contacts as well as discounted eye exams. The discounts are administered by EyeMed.
Plan selector: Interested consumers can use the online plan selector to help them choose a plan that works best for their situation. When users visit the website and answer basic questions about their healthcare preferences, it shows them which plan most closely matches their needs.
In-person appointments: Consumers who would rather meet with an insurance agent to discuss their supplement coverage can request an appointment by filling out a form on AARP’s supplement insurance website. After they fill out the form, a licensed agent will contact them.
Best for: AARP supplement insurance is best for AARP members.
AARP Medicare Supplemental Insurance Company Information
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