AARP/UHC Medicare Supplemental Inflation Increases 21.88% for me!

MBSC said:
UnitedHealthcare Insurance Company are the plans with extra benefits (gym membership) and the status is closed-approved.

UHIC "of America" are the basic plans without extras. It's pending review. Click on that line to get to the rate schedule and other documents.
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fosterscik said:
Interesting. I didn't see the "extra" plans with gym membership. Since that's what we have, I'll have to have another look. 14.5% sounds like a bargain :facepalm:
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Thanks! It appears that we also have a 14.5% increase to look forward to in Tennessee for those gym-included plans. I suppose the argument is similar to those I've seen for plan N; healthier people opt for the gym plan and have lower medical expenses.
 
fosterscik said:
Interesting. I didn't see the "extra" plans with gym membership. Since that's what we have, I'll have to have another look. 14.5% sounds like a bargain :facepalm:
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When I signed up I did not see the plans... or they were expensive.. not sure which..

But when I helped my friend do it early last year the benefits plans cost a whopping $5 a month!! Heck, I would have paid that as it is cheaper than my gym membership..
 
When I initially signed up for AARP/UHC Plan G in 2019 that was all there was. Just plain letter plans. No other options and they included gym membership, etc.

Later, I was somewhat ticked that they were offering "Basic" Plan G plans for less, baiting in new customers. I think their new offering of "Basic" plans later backfired with their loss ratios.

Fortunately, I've used their gym membership perk since signing up. I had a gym membership before Medigap.
 
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lawman said:
MOO is known for closing the books on companies which enables them to raise premiums on the old and keep them lower for the younger by creating new companies
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Understood but for some reason our premiums, are very affordable and I have no complaints….this far. DH and mine combined are about $332/month and we both started with MoO in 2022. We’re 3 months apart in age.
 
Just today I was approved for the AARP United Healthcare Supplemental Plan G with extras. My monthly premium is roughly $195 starting next month.

I switched from an AARP United Healthcare Advantage Plan that cost me $0 in premiums, $0 deductible but $4800 max out of pocket. I've already paid over $1k this month in imaging costs and copays.

Both plans include gym memberships and I belong to more than one so that saves me roughly $100 a month. The Advantage Plan included $75 a quarter in spendable OTC funds. It also included a generous dental and vision annual max.

I can no longer pass underwriting so it was a once in a lifetime shot to switch to Plan G where I can now pick my doctors and specialists without a PCP referral. $2400 a year in premiums is less than $4800 out of pocket.

I figure I'll stick with Plan G for now until I can get a grasp on what my future medical expenses are going to look like. If they tend to stabilize and I'm able to garner decent care from a network then I can always switch back to a zero or low cost Advantage plan which doesn't require underwriting.

But I'll never be able to go back to a Supplemental plan if I leave this one.
 
Received the letter in the mail and my UHC G is going up in June from 125 to 166. Thats a 32.8% increase. I am still in the first three year sign up discount. I guess I need to see more specialists to get my money out of them!
 
djsander said:
Received the letter in the mail and my UHC G is going up in June from 125 to 166. Thats a 32.8% increase. I am still in the first three year sign up discount. I guess I need to see more specialists to get my money out of them!
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"Our" rates are dictated by AARP/UHC's "loss ratios". If these are high, so will the rate increases. I believe the allowable loss ratios by state insurance departments are around 80-90%. If an insurer can document a loss ration higher than that, over time, there is no doubt they will get the rate increase approved by the state. They can actually get a rate increase if they estimate the new rate is required to keep them in that range in the future.

Not sure about these numbers but I am sure that the more claims, the higher the rates will be. States are the main watchdog. "Loss ratios" are the driving factor.
 
zaqxsw said:
"Our" rates are dictated by AARP/UHC's "loss ratios". If these are high, so will the rate increases. I believe the allowable loss ratios by state insurance departments are around 80-90%. If an insurer can document a loss ration higher than that, over time, there is no doubt they will get the rate increase approved by the state. They can actually get a rate increase if they estimate the new rate is required to keep them in that range in the future.

Not sure about these numbers but I am sure that the more claims, the higher the rates will be. States are the main watchdog. "Loss ratios" are the driving factor.
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I understand that and know depending on which statistic you go by New Mexico is number 10 in rank of oldest population. I was expecting along the 20% increase so it took me a little by surprise.
 
My DW and I just got our rates for 2027 AARP UHC plan G in AZ. Increase of 31%. Now I understand why so many people are switching to Medicare Advantage with zero premium.

All of our insurances are taking huge increases along with utilities, internet, cable, etc. Every time I see or hear that inflation is 2 point something percent, I want to blow up!
 
A just got a letter that my UHC Plan G will be jumping to $330. I forget what it is now. Maybe $250 or so.
 
Timely my BCBS AZ went up 34%. Plan G 75 yo now $431 a month. Yea I have been out of the discount price a while now,
 
Tx $153.85 Plan N but female 66 yo. Did not change last year to this year.
 
grasshopper said:
Timely my BCBS AZ went up 34%. Plan G 75 yo now $431 a month. Yea I have been out of the discount price a while now,
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Ouch. I thought my husband's $345 Plan F supplement at age 77 is expensive.
 
Our supplements went up just less than 10% IIRC.
 
Misery does love company, UHC/AARP just increased my G supplemental policy 20.4%.
 
sengsational said:
When I bought my policy 3/1/2024, the base price was $174.44. It went up 9.9% last year, and another 12% this year. The base price is now $212.61.

This policy is supposed to be "Community Rated", meaning all ages have the same base price. Anyone familiar with how AARP/UHC medigap policies are priced will know that they have a discount for younger people. The discount starts at 45% for a few years and then the discount diminishes and drops to zero at after 20 years.

Today I did some research, and it's the purpose of this post. The research was to prove that a 65 year old buying the same policy as me in the same region as me would have the same base price as I was just informed about (going to hit my bank via EFT). That's what community rated means, so I thought I'd check up on them.

It wasn't rocket science, but took me a minute to realize how to get this number. The LLM was a bust on this one, so I went to AARP Medicare Plans from UnitedHealthcare and started shopping as if I were a 65 year old, putting in my plan letter, my county, no-tobacco, and answered the questions about AARP membership and other things that get you discounts. Sure enough, the base price matched to the penny.

Nuts that the medical inflation is nearly 22% in two years, but it is what it is.

View attachment 61892
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I am curious as to what state your are in. I know that quotes vary state to state, but I wonder why a plan G high deductible wasn't an option.
 
We're newbies to Medicare. DW's start date was Jan 1st, 2026, and mine is 3 weeks away (April 1st). AARP/UHC has the only community rated plan G in southwest Utah. Our agent talked up that strategy and UHC's longevity.

DW started at $172.15 and it drops to $152.16 when her spousal discount is applied to billing. It will go up to $185.38 in 2027. Mine starts at $171.88 and climbs to $209.40 next year.

We're getting the G with extra benefits. I will likely use the gym membership for the large club 1-mile from home. And I'm tickled a version of that benefit also gets me 8 open play pickleball sessions per month at an indoor club. Hopefully more pickleball does not mean more claims ;-)

Kind regards,
Chris
 
JeKa said:
I am curious as to what state your are in. I know that quotes vary state to state, but I wonder why a plan G high deductible wasn't an option.
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I'm not sure it was or wasn't at the time I picked. I don't think it was, though. It's just what they want to offer. There was no such thing until 2020, and it might have been that the insurance companies did a staggered roll-out, not to be caught off guard by actual vs expected claims on the new flavor. A marginally trustworthy source tells me that HD plans from AARP/UHC became available in NC as of 2024, so after I bought for both my wife and I.
 
sengsational said:
I'm not sure it was or wasn't at the time I picked. I don't think it was, though. It's just what they want to offer. There was no such thing until 2020, and it might have been that the insurance companies did a staggered roll-out, not to be caught off guard by actual vs expected claims on the new flavor. A marginally trustworthy source tells me that HD plans from AARP/UHC became available in NC as of 2024, so after I bought for both my wife and I.
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I am in NC and have a AARP/UHC traditional G supplement (not high deductible). I am age 74 and my premium seems very reasonable--just got a notice it was going up to $190 per month. My husband, on the other hand is paying around $400 per month for the same type policy from Mutual of Omaha (he is also age 74). He wants to change to AARP/UHC but cannot pass underwriting to change so he is stuck.
 
Well, i was all set to call UHC/AARP about our increases coming in June for our Plan G (with benefits). :mad:

But after scrolling through previous posters I think I'll just be "OK" with what we got. We are in IL and I will be 70, my wife will be 68. Mine goes up ~21.6% and hers goes up ~15.5%. Combined we will be paying $384/mo.

Thanks everyone for sharing. I guess misery loves company. :rolleyes:
 
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