AARP Medicare Supplemental Insurance Reviews

We have been with AARP Medigap plan f for almost 15 years and it has been a positive experience until now. Plan F no longer accepts new enrolment, this causes large premium increases and united healthcare will not let us transfer to plan G which is less expensive. I would not recommend aarp medigap supplemental plans because at some point no one but Warren Buffet will be able to afford plan f because ever decreasing pool of insured.

While I haven't had any issues with coverage, I recently switched to another Medicare supplement company. UnitedHealthcare took out the next month's premium. I called to get a credit on Dec 2 and the rep seemed more confused than me and said I would be getting a credit since the premium was already debited from my checking account. A week later, Dec 9, I called as I have not received the credit, and I was told it would take 15 days to credit my account. I told him this was unacceptable. He put me on hold multiple times then said 10 - 15 days for the refund to be processed which should not have been deducted in the first place. The another person came on and told me it would be 30 days for the refund to be processed??? This is insane!

My MRI copay is $225 and the total cost is $335.08 and AARP pays $110.08 (in network). Out of network 40% of the cost which I would have to pay $201.05. How is this beneficial to me when I am paying premiums and the lionshare of the cost of service.

Not worth the money. AARP should be embarrassed by these programs. I cancelled my supplement in April of 2025 and have found that paying the 20% that Medicare does not pay is much less expensive than than AARP's supplement insurance thru United Healthcare. I think AARP counts on seniors believing they are looking out for us when they are just another indifferent large organization. Do you think a large insurance company like United Healthcare is looking out for anyone other than themselves and their top executives??

I agree with the previous negative reviews. I have not been able to get any of my prescriptions covered. They are common prescriptions like **, ** and asthma inhalers. First, they said that I was using the wrong pharmacy. They said that CVS is not a tier 1 pharmacy and that Walgreens is tier 1. Then they said that ** must be called ** to be considered the generic brand. Then they said that my doctor did not give my condition as a condition that Medicare considers valid for **. After all the run around with the inhalers, they said that there are no tier 1 inhalers for asthma. I wish that I had not signed up for this.

While I have had very good experiences from United Health Care, I have also had bad ones. The good experience was a representative helping me get a difficult to get provider. The bad one was when they agreed to pay for my out of pocket dental cleaning, $68, and I sent them the info in writing, they never paid it. Then they wanted me to send the info again in writing. Why on earth would I do that?

I just received a letter from AARP/United Healthcare stating they will not cover One Touch Meters they will only Accucheck or Contour meters that are the old prick your finger meters. I have had the One Touch for five years. Having the ability to check my sugars 10 or 15 times a day and adjust my insulin based on better information has lowered my A1C three points to 6.5. This has become important to my health. I am currently the longest time with a Xenotransplant of a genetically edited pig kidney. This is cutting edge science that requires multiple readings daily. Having less information to adjust my meds is critical important to the health of my kidney and therefore my health. I feel you are risking my health by removing to vital tool.

Not easy to find providers that accept this policy. Customer service not very helpful. Frustrating spend all day and only found one doctor when I actually needed three. Will try again tomorrow. Be very patient.

Recently enrolled in this plan for Medicare Part D. So far they've already have tried to start this pre-authorization stuff on a medication I was assured they would pay for. That is why I chose this plan. Not a good start. Also, I received an email stating that my premium was past due. After speaking with a rep, I was told the email was regarding the premium for next month that is NOT EVEN DUE yet, which I find very unprofessional.

I have a medigap plan that started at $115 per month premium 4 years ago and now is $171 per month. They start you off with a low premium to get you and then it’s too late. They shouldn’t be allowed to rip off seniors. AARP should be ashamed of themselves promoting United Healthcare.

The application process was unnerving for my husband. We applied online and had to call multiple times only to learn that the application was pending. One customer service after the other all gave different reasons, none of which was that the review was then not submitted to enrollment, nor would it go to underwriting, unless all corrections were made. The first major correction is that the AARP membership address has to match the application. We live in a residence that does not have mail delivery, so we use a PO Box. A PO Box address is unacceptable to AARP, so we changed both to our residence address. Therefore, we didn't get the cards, brochures, or notifications on the application process. A big standstill. You have to call and check every day, but we just learned that each time you contact them, it extends their decision 5-7 working days, so, 8 weeks in and still no resolution.

I started the AARP plan after using other plans for 22 years. Every plan I have had provided good and bad experiences, until now. The AARP heath care advantage plan has ZERO good points. They overbilled me the first month. They notified me that Gym benefits were no longer available. The customer service number connected me with a nice person who had English as their 3rd language. I was on hold for 20 minutes with insipid "music" then I was disconnected. I could continue on with the litany of horrors but enough. I would advise those who want these experiences to enroll in the AARP plan.

I started out with United Healthcare. Was impressed at first but now they went up on monthly fee. I was able to go to gym to stay healthy. When they went up on price they took away my free gym membership and all others that went to gym that had the same insurance. I had the premium gym access. Now they want to drop it to a regular gym which don't have half the stuff like YMCA does. Which the closest to me is 55 miles away or they offer on demand workouts. What a joke. The gym was my incentive. Now a lot of seniors won't be able to stay healthy. I recommend never getting this insurance. I will be looking for other company.

I get extra help. 2024 I started paying $ 22,90 a month. In 2025 will be $36.20. I am low income and I have medicaid. What about in the future?? Ripoff. A shame for the poor. Am very worry. What if can't afford these prices, am 78. I need my medicines, those, by the way, are generic. Aarp is a bunch of thieves.

I'm in Wisconsin (has unique requirements and strictures for Part B Supplement plans) & will soon turn 65 and will then be a Medicare client.

AARP / United Healthcare refused to accept and honor a claim I filed after AARP / United Healthcare Advantage recouped a $407.90 charge 16 MONTHS after they paid the claim submitted by my service provider. This happened during the time I was changing coverage from a United Healthcare Medicare Advantage Plan to a United Healthcare Supplemental Plan. I was never informed that my coverage had changed before the service was provided, continuing to believe at the time that I was still covered under my Medicare Advantage plan.

Be VERY wary of United Health Care Supplemental plans. I have been with them since I first got on Medicare 11 years ago, and up to this point they have been fine, as I've had no problems. The reason I first chose UHC was because their pricing is not "age relate". That is you get a discount the first 10 years, that is reduced each year for the first 10 years, then after that, unlike other plans your price would NOT be increased because of your age. So for the long term that sounded like the more affordable way to go.

I enrolled in Medicare supplemental and they did the ole bait and switch. They offered the plan for $200 and then after submitted when I was unable to go back on the application screen changed the plan to a plan over $400 per month. I am perfectly healthy and have no underlying health concerns and would fall under the lowest level. The response from customer care was so concerning with a lack of concern and the most generic response offering no solution. A BBB complaint is being filed along with attorney general's complaint and I suggest others in this situation to do the same! This is a scam! I believe there is an insurance commission that you can send a complaint to as well.

Absolutely the worst Medicare supplemental insurance. I switched to them specifically to obtain hearing aids. They were advertised as $99 per aid. Called them. Couldn't get a real person for about 15 minutes and when they did they didn't speak good English and I couldn't understand them. Finally found out these are over the counter hearing aids but they said I could get aids for a hearing aid center for $199 per aid. Nope.... they are in "negotiations" with the hearing aid manufacturers now. I'm afraid to even make any doctors appointments as I don't feel like they will even cover anything!!!!. Guess I don't to the doctor this year.

There is more than can be said here, but this will provide a general impression: UHC does not use email to process claims--only SnailMail or fax. UHC requires 30 days to confirm receipt of a fax! You cannot follow up on a claim issue with a specific rep. Every time you call, you will explain every detail of every issue every time. Websites and passwords frequently change. Do not use a symbol character in your password. The system will not recognize you or permit you to log on and will not tell you what you're doing "wrong." Know your co-pay. You may be told it is higher than it actually is.

I switched from Blue Cross Blue Shield to AARP Medicare Advantage last year and I will not be back next year. I have had recurring issues with them paying what they say they are going to pay. For instance, on their summary of benefits, there is no mention on in or out of network. It just states that there is a $200 eyeglasses benefit. So I went to my enycare provider and bought glasses. I submitted the claim and it was denied because they said it was out of network/ I said it is a PPO, and that their summary of benefits does not say anything about network. In fact, they use a third party vendor for vision care and that company rep said that a lot of people have the same issue. Months later, they still have the same inaccurate info on their summary of benefits, and I am still fighting them for the $200. UHC is either deceptive, lazy, or ignorant in this regard.

I reached out to several dental and ophthalmology practices listed on the UHC provider website for a practice that accepts AARP Medicare Advantage Plan 2 with Dental /Vision plan. Every practice (at least 6 in the area) I called told me they do not have a current contract with AARP UHC and have not had one for over a year. The current directory UHC shows on their website is very outdated. The Dental/Vision coverage is what attracted me to the plan initially. The dental and vision coverage offered on the AARP Medicare Advantage plans is basically a deception and in my opinion a fraudulent way to market their product to seniors.

Stay away from AARP United Healthcare MedicarePlans. I have their Medicare Advantage PPO Choice. Each year this plan gets worse. Expensive in the end with procedures and tests that suddenly aren't covered, high RX co-pays or non coverage, decrease in the numbers of participating physicians and hospitals. Customer service is non existent. You can talk to 3 people about the same issue and they will respond with 3 different solutions or not know anything at all about the issue. They also are great at disconnecting calls. Website issues are a nightmare. It has been over 2 months that I have been unable to log in to my account to see any of my claims or benefits. All I ever get upon logging in is an error screen that says "It's not you, it's us".

I called my Rx plan to find out why my prescription was denied as written. I was told I was connected to the wrong department and that they would have to connect me to someone else. After waiting 5 minutes to be connected to someone else, they told me that I had been connected to the wrong person again and now had to be connected to yet another person. After waiting again, a new person came on, asked for my information and once again told me I was connected to the wrong person. This was a merry go round that was obviously never going to end, so I finally hung up. If you're looking for an Rx plan, I'd strongly suggest using someone else.

Biggest mistake I made was switching to this so called company. People - do not trust what they tell you. It is a out and out lie and will end up costing you so much more!! Employee bill in billing should not have a job with the public. Very very rude!!

We changed to AARP Medicare Advantage in 2022, due to a change in our prescriptions. We logged into the website and entered all of our prescription drugs and the prices were better than with Humana Medicare plan. This is not true. My husband takes a very expensive medicine for thunderclap headaches. They gave us 1 month of coverage and then it had to go to their review panel. Of course we did not know this until we changed to them.

I had no options but to go on a Medicare Advantage plan. I had no choice but to use the plan that UHC is a part of because no other plans covered specific Drs that only the UHC would cover. My biggest mistake was in trusting that I would have the coverage needed, especially during the Covid pandemic! But I was absolutely wrong! I'm already covered for a parts A&B & have been since 2006 with regular Medicare being my secondary insurance to my husband's employer based insurance through Union Pacific Railroad & even more sad it is actually through UHC Railroad!

This company should be named AARP Runaround. My doctor changed my diabetes medication to insulin. I need a meter that shows the rate of change. United Healthcare sent me running to five separate suppliers and denied them shipping. They told me my appeal for pre-authorization was Oked. They then told me to get it from a company that doesn't carry the meter. I think AARP should be legally prevented from recommending health insurance.

I am diabetic and I have been on the same medication for years! But now my blood sugar is out of control because United Healthcare won't pay for my life saving medication! **. It looks like united Healthcare doesn't care if I live or die! THIS POST WAS PURPOSELY MADE PUBLIC TO WARN PEOPLE ABOUT UNITED HEALTHCARE FOR AARP!

We've been with AARP UnitedHealthCare for several years. They must have had a management change or supervisory issues recently. Customer service is non-existent. Holding times in excess of an hour only to talk with someone who has no clue or provides misinformation. I am taking a tier 4 (expensive) medication. My doctor prescribed the medication every other day yet I am being charged for daily use. I was told that I am charged for a month of usage regardless of how much I use - makes no sense. Pay for 30 but only get (and use) 15!! I'm done with AARP United next sign up period.