AARP UHC jack up price.

[Dawg52]

70.5

My AARP/UHC is $215.64.

Same age and premium as you but different Company.

 

[audreyh1]

Is anybody considering moving from Plan G to Plan N while it's still allowed without underwriting with AARP/UHC? Of course, you can't ever go back to Plan G without underwriting.

Plan N has had lower rate increases for my area but has become more popular. Of course, the premiums are less than Plan G. At what point do the Plan N claims exceed Plan G?

I was advised by a state insurance senior advisor/employee to buy the best supplemental coverage I could continue to afford during my 6-mo. guarantee period. While I could have bought Plan F at the time, it made no sense.

So, I bought Plan G from MoO per Boomer Benefits. Very fortunately, I changed to AARP/UHC with only two weeks left in my 6-mo. guarantee period...

In some cases a company will allow you to switch to a plan with less benefits without underwriting. The other direction would require underwriting.

 

[Donno]

You can almost always save a few bucks by going with an N over a G, but I decided that I prefer not having to deal with co-pays each time I see a provider. I really do enjoy just walking in and out with no realtime payment ever needed. In fact, my plan (AARP/UHC will even handle the annual deductible on my behalf (i.e., they will pay and draft the funds from my bank account). Nothing I need to do at all.

Do you know if this is available to everyone, or is this dependent on the state you live in? I'd sign up for this in a millisecond to do away with the hassle of receiving more bills that I have to deal with. I looked on my AARP/UHC account and didn't see anything about setting this up.

 

[euro]

Do you know if this is available to everyone, or is this dependent on the state you live in? I'd sign up for this in a millisecond to do away with the hassle of receiving more bills that I have to deal with. I looked on my AARP/UHC account and didn't see anything about setting this up.

Evidently, it is NOT Nationwide but supposed to be available "in many States". It is called "EZ Claim Pay Service". Here is how you can get info on whether it is available for your State:

While EZ Claim Pay has expanded to many states, it is not yet available nationwide. For the most current information on state availability or to enroll in the service, members can call UnitedHealthcare at 1-877-223-1628, Monday through Friday from 7 a.m. to 11 p.m., and Saturday from 9 a.m. to 5 p.m. Eastern Time.

 

[Donno]

Evidently, it is NOT Nationwide but supposed to be available "in many States". It is called "EZ Claim Pay Service". Here is how you can get info on whether it is available for your State:

While EZ Claim Pay has expanded to many states, it is not yet available nationwide. For the most current information on state availability or to enroll in the service, members can call UnitedHealthcare at 1-877-223-1628, Monday through Friday from 7 a.m. to 11 p.m., and Saturday from 9 a.m. to 5 p.m. Eastern Time.

Thanks, I just called and signed up! This certainly makes it easy to not have to worry about when or if I paid a doctor's bill, and I'm sure they will appreciate not having to bill me 3 or 4 months after my appointment for what could only be a few dollars, depending on how things settle out.
I really don't like being mired in outstanding obligations and I find these bills easy to lose track of if I find myself with multiple doctors visits like I did a couple of years ago for an illness. It's for this very reason I chose a plan G over a plan N and now they have fixed the one slight inconvenience I had with a G.

 

[Dash man]

Good for you - do they not charge the copay or do they just bill it afterwards? If the latter, that's still more hassle than I want to deal with

Honestly, it’s not much of a hassle considering the cost savings. All of my providers have a portal I can use to pay the copay.

 

[HFWR]

My AARP/UHC is $215.64.

“I read the news today, oh boy…”

New rate is $257.53. But thankfully, they hate to raise rates, and are striving blah blah blah…

 

[audreyh1]

Do you know if this is available to everyone, or is this dependent on the state you live in? I'd sign up for this in a millisecond to do away with the hassle of receiving more bills that I have to deal with. I looked on my AARP/UHC account and didn't see anything about setting this up.

I don’t know if it’s by state, but I was also informed of this option recently (TX). I suspect it’s not state dependent. I’m waiting to see how my providers handle it.

 

[REWahoo]

Honestly, it’s not much of a hassle considering the cost savings. All of my providers have a portal I can use to pay the copay.

^ This. Trivial to deal with an occasional $20 bill considering the combined annual savings on our premiums vs. Plan G is close to $900 and increases every year.

 

[REWahoo]

“I read the news today, oh boy…”

New rate is $257.53. But thankfully, they hate to raise rates, and are striving blah blah blah…

Yikes!

A 19% increase on a AARP/UHC plan is not something I would have expected to see. That doesn't hold out much hope for reasonable increase amounts from other insurers.

 

[GATime]

AARP/UHC in GA was rather expensive compared to other plans. We go on Medicare this summer and just signed up DW and I for a Plan G with AllState. Her at $111 and me at $133. The Plan G was about $20 more than Plan N each. Anyone with AllState experience.

 

[REWahoo]

Anyone with AllState experience.

I switched to Allstate Plan N in March of last year. I saw a 14% increase after year one - not great but far better than some of the increases we've been hearing about.

 

[vdesalvo]

Good video on why this is happening (price increase), which make a lot of sense.

 

[Ian S]

AARP/UHC Plan G, 73 y.o. $249/mo. I always see my dermatologist in January and between the actinic keratoses needing freezing and the occasional suspicious spot needing a biopsy, I usually use up all of my Part B deductible and then no fussing with payments for the rest of the year! Based on what most are saying, I expect a significant increase this year

 

[USGrant1962]

Good video on why this is happening (price increase), which make a lot of sense.

Please summarize that 24 minute video. I’m interested but not that interested!

 

[HFWR]

Please summarize that 24 minute video. I’m interested but not that interested!

I lost interest, but companies are basing rates on the healthiest traunches, setting rates low to attract those that can easily pass underwriting. Whenever “sicker” individuals are included, rates go up, so musical chairs of which company gets stuck with the less healthy.

My simplified and possibly incorrect and/or inadequate explanation.

 

[REWahoo]

Please summarize that 24 minute video. I’m interested but not that interested!

Cliff's Notes: The primary reason we're seeing such large increases in Medigap premiums isn't due to post-Covid increase in claims. It is because the Medigap insurers only tool to grow their business was/is by offering unsustainably low premiums to lure new customers and they are now having to drastically increase rates in order to make a profit. (Plus what HFWR said above.)

 

[N02L84ER]

Yes, they offer unsustainable low premiums to lure customers, then have to raise the rates because they are unprofitable, then the healthy customers (who can pass underwriting) switch to another insurer leaving the sickest customers, which causes the insurer to have to raise rates even more, which causes more healthy customers to switch... This is primarily happening in states that have the "birthday rule" which allows switching insurers.

 

[harllee]

The video also says that what is happening to Medicare Supplements is similar to what happened to Long Term Care insurance years ago. The LTC companies lost so much money they quit selling the policies. He predicts this will happen to Medicare supplements so that only the wealthy will be able to afford them, everyone else will be forced into Medicare Advantage policies.

 

[VanWinkle]

My AARP/UHC is $215.64.

Plan and age make all the difference.

 

[Coaster4Now]

AARP/UHC Plan G just went from 265 to 297
Community pricing state, so I assume my age doesn't matter.

Do I win? Highest score?

Edited to say:
NOPE
athena53 Wins with 316!

 

[aja8888]

AARP/UHC Plan G just went from 265 to 297
Community pricing state, so I assume my age doesn't matter.

Do I win? Highest score?

Edited to say:
NOPE
athena53 Wins with 316!

Mine is higher than hers, but I am over 80.

 

[IncomeOriented]

At 75 my AARP UHC IS $175.86 per month for plan N. We started with them when we started medicare 10 years ago, with Plan F, and changed to plan N a few years ago. It has steadily gone up in little increments over the years.

 

[MBSC]

We go on Medicare this summer and just signed up DW and I for a Plan G with AllState. Her at $111 and me at $133. The Plan G was about $20 more than Plan N each. Anyone with AllState experience.

I switched to Allstate Plan N in March of last year. I saw a 14% increase after year one - not great but far better than some of the increases we've been hearing about.

@REWahoo:

Allstate just sent a memo to agents/brokers stating they are leaving the Medigap market in all states. They (or their Third Party Administrator) will continue to service all existing policies, so it's a closed book.

Edit: It's been posted here(1) and here(2) on a forum for agents.

 

[REWahoo]

Allstate just sent a memo to agents/brokers stating they are leaving the Medigap market in all states. They (or their Third Party Administrator) will continue to service all existing policies, so it's a closed book.

I don't believe Allstate had been in the Medigap market for very long. Thanks for letting us know.

Edit: I saw this on one of the agent forums MBSC linked: "Their Loss Ratio on business written in last 3 years was 104.5%." No wonder they pulled the plug.