Thanks for the Video. I'm surprised that there is little information online, in regard to AARP UHC Plan G's disappearing Discounts. My wife and I are signing up for Part B Medicare in the next few weeks. We are definitely going with the Supplemental Plan G. I have been working with an agent from AARP, and pretty much had decided to go with the lower cost Plan G that they offer through UHC that didn't include the Gym and Discounts for Dental and Vision. When the agent started to explain how the Enrollment Discount of 45% starts to decrease at 2% each year at age 68 to 79, and at 3% at age 80 until the discount is 0, I started realizing I hadn't read the fine print. On top of the disappearing 45% discount, the Rates in general, will probably increase 3-5% with inflation, or what ever the State will allow. So I'd probably be looking at a 6-9% increase each year! I know all Plan G's will increase at Market rates linked to inflation, but I feel AARP's Advertising isn't exactly at full disclosure, as it displays or advertises the Rates "after" the 45% Discount, then a little asterisk* takes you to a footnote disclosing the "Discount Percentage Reduction", which, at least for me, is difficult or at least time consuming trying to calculate, considering the possible Market Rate increases. Found a blog online where AARP UHC Plan G members (in another state) were seeing an overall yearly increase of about 9-10% This is almost as deceptive and complicated as choosing an Electrical Energy provider in Texas!
Ive heard Medicare agents rail about about how bad UHC Advantage plans are yet ive not talked to ONE PERSON ON AN UHC ADVANTAGE PLAN THAT DOESNT LIKE IT. Seems like there is BIG gap in facts on the ground and the perspective of Medicare agents.
I think the one line that can be added to this video is a medigap supplement plan is exactly the same plan type to plan type no matter which company is the seller or administrator.
I didn't need to watch this video because all the tons of junk mail I receive from AARP already clued me in to their game, but it's nice to have my suspicions confirmed.
Don't you also have to consider the size of the company you go with? AARP/UH may not raise rates as much or as often as your Ace $117 company because they have a bigger pool of clients and can better absorb costs. Five years down the road, is Ace still the cheapest for the client?
Depends. It was just one zip code but it was to show that AARP isn’t always the cheapest for the same benefits. Many people call me and find out they have been paying $50 a month more than other companies.
In Nebraska a year and a half ago, AARP UHC Plan "G" was $116.00 a month for a 65 year old non-smoking male. That same premium is now $158.00 a month. You wanna tell me about that big pool of people again? (And their Plan "N" is only $5.00 a month cheaper.)
In Florida, AARP/UH is great. It has the largest share of the medi-gap market here. I have Plan F. It has consistently covered the 20% not covered by original medicare without question, offers a 24-hour registered nurse for consultation by phone, offers vision, dental, and hearing discounts, and pays for my gym membership. The yearly premium increase is for inflation, not age. I started 4 years ago at about $186/month. This year the premium is $220 - a total increase over 4 years of only $34/month. Your state and region could be different.
If Medicare pays, it has to cover the 20 percent Medicare doesn't cover. That's required by law. That is why people choose it over an Advantage plan. Every supplemental plan must cover what the government stipulates. Also, as I said above, your rate increases with age if you took your plan under guaranteed issue and received a discounted rate, the discount percentage is reduced each year. Then there is also the state approved increase each year. Still, the rate you pay sounds good as it is my understanding that Florida has some of the highest gap insurance rates. but maybe that is no longer true.
they have dubious marketing...AARP UHC offers a discount that decreases as you age , so low premium start price is BS. plan with gym membership guarantees premium price for first 12 months, G plan w/o gym membership does not. They have different discounts , but the dollars you pay will end up being the same after a few years.
Here in the upstate of SC, AARP is in top 1/3 of premiums. There are at least 20 other providers that are cheaper(and significantly so). People see AARP and get sucked in.
I got sucked in and since I had to fill out the health questions. Well, I have to pay $394. I can't afford it so how do I change next year? I have a G Plan.
To say the AARP plan is community-rated (i.e., same regardless of age) is misleading. There may be just one base rate, but age-based discounts starting at 45% for a 65 year old in 2024, progressively dropping to 0% for 86+ ... sounds age-based to me.
Just an fyi.....My neurologist just dropped United Health Care but not the AARP PlanG. They said they are having too many problems with UHC - maybe it's UHC Advantage? I don't know but be careful.
I am a member of AARP. They are very educational but I refuse to support the companies who advertise because they are more costly. I have a Medigap broker and he told me horror stories about UHC in my area. I'm probably going with Cigna, as they have good rates and ALL insurance companies are bound by law what they can and cannot do with Plan N or Plan G; so price is important. Just like shopping for groceries, I compare prices.
Yeah, it's disheartening. When I was initially curious about Medicare plans, I went and looked at the AARP website. Supposedly (I'd thought) they might be an unbiased organization that was pro-retiree. Now, I did not look in-depth, or for very long, but all I came across was their Advantage Plan -- AARP has a special deal/link with United Health Care (I found out separately). I saw no other options, either from other Advantage Plan companies or any reference to Supplement Plans. Although if they do off a Supp Plan, I'd bet it is via United Health Care. Like you, I'm not trying to disparage AARP or UHC, it just caught me as suspect that a pro-retiree organization only had one option (that I saw).
I am just starting to shop for policies. I am going to be 65 in March. Cheapest G plan (2022 rates) that I am finding for zip code 14435 is $203. $150 would sound really good to me.
If you're in good health still, you might want to look into an HDG (high deductible G) plan, or even an N plan from United American. Don't let the term high deductible scare you, do a little research into the plan, once you get your head wrapped around it you'll realize how good this plan really is.
@@oveidasinclair982 I have been looking into a high deductible G and may end up with one. You have to be well over $13k in medical bills before you fill the deductible so it is probably worth the risk. An N plan is only a couple dollars cheaper than a G so not worth it. I suspect NY is higher than the rest of the country because the plans are community rated and they can't require underwriting to go from advantage to supplement.
@@davematthews7686 In Florida the deductible is only $2300 and once that is meet everything is covered 100%. Before that everything is 80-20, the deductible is on the 20% part, for a relatively healthy person this plan can't be beat. Are you going to have a bad year every year? So why pay for a full plan G every year.
It's helpful to remember that the AARP membership is only required for the first year, in order to sign up. Membership is NOT required from then on. They don't tell you that explicitly, but in reading between the lines, you learn that membership is ONLY required for sign-up. Additionally, in GA, the AARP/UHC supplement plans are issue-age, not community.
Talked with Boomer Benefits. They confirmed that AARP membership is required ONLY for signing up with United Healthcare. My AARP membership has been expired for a couple months, but I still have my supplement plan. It was the same thing years ago with getting car insurance with Hartford. AARP was only required for obtaining insurance the first time. Reading what AARP says, it's required to sign up, but never again do they say you have to keep your AARP membership current. So between experience and what they both say and don't say, it's clear. Those are the deductive/intuitive critical thinking lines I read between.
The AARP / UHC supplement plans are probably issue age rated for those 65 and over and community based rates for those under 65 who are on Medicare due to disability.
@chuckweatherstone9344 I had Plan G with AARP & yes, initially had AARPmembership. I did not renew for 2 years. I wanted to switch to N & AARP said to switch plans you have to be a member so I signed on for one year just to switch plans.
Great stuff Brian I subscribed to your channel I'm in Westchester county NY & just turned 65 & I get Medicare & suggestions for a secondary ❓ thanks brother Ciao Vic,
I agree with you about AARP. They were lobbing congress several years back to promote Obama Care. Wonder what was in it for them. I’m staying away from them. I like an honest hand shake not some political Organization that only interested in profit… Just saying!
There's a lot more to an insurer than the premium. The vid wasn't helpful because you imply that AARP was doing things that are nefarious and that is simply untrue. I have no love for insurance companies, but you won't have to look far to find someone who has had a bad experience and disparages any company.
We stopped marketing U/H AARP Med Supps, especially with people aging in, we been using exclusively United American with their HDG/HDF and N plans. Pricing is better and they're more stable as the client ages.
Cause Trumpster really delivered on that great medical plan he promised would happen right after he got elected. The Democrates plans may miss the mark, but Republicans have had forever to offer a medical plan and have never even tryed. As a matter of fact the only thing they back is keeping Big Pharma and Huge Insurance companies rolling in massive tax cuts and legal loopholes. Why don’t we all quit party pushing and start demanding real action from the people we elect.
That’s an erroneous approach. AARP is really an agency, and the insurance company is United Healthcare. To be political for a moment, the Democratic Party, from FDR through Biden, have proposed, and passed, health care in some manner or another. You cannot show one health care proposal from the Republican Party in all those years. In fact, in the new Congress, there are several Republicans who are proposing bills to eliminate both Medicare and Social Security, and let everyone go into the “wild, wild west” on their own. This would obviously be a stupid thing to do to the American people. My only complaint about the system is the disparity of rates across the country in the various plans. It would not be a problem to actuarially iron out those differences, and stop this annual race to the finish line that occurs. And the “broker system” could then be taken over by Social Security. This would yield a considerable savings for the beneficiaries.
Hello BRAIN IM SO HAPPY to see you I'm sorry I'm having trouble with my 📱 but I'm still around and I'm hoping you are doing ok thank you very much for all your time you give use so we could get Avery good choose in having a great plan of Medicare and of course we need to listen we need to be smart there is no money to be lossing it's time to say bye bye you have a great night it's me your friend from Calexico CA Kings of the valley Egypt ❤ remember that Christmas it is around the corner🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄you have a great one
What are your thoughts on AARP?
Thanks for the Video. I'm surprised that there is little information online, in regard to AARP UHC Plan G's disappearing Discounts.
My wife and I are signing up for Part B Medicare in the next few weeks. We are definitely going with the Supplemental Plan G.
I have been working with an agent from AARP, and pretty much had decided to go with the lower cost Plan G that they offer through UHC that didn't include the Gym and Discounts for Dental and Vision. When the agent started to explain how the Enrollment Discount of 45% starts to decrease at 2% each year at age 68 to 79, and at 3% at age 80 until the discount is 0, I started realizing I hadn't read the fine print. On top of the disappearing 45% discount, the Rates in general, will probably increase 3-5% with inflation, or what ever the State will allow. So I'd probably be looking at a 6-9% increase each year! I know all Plan G's will increase at Market rates linked to inflation, but I feel AARP's Advertising isn't exactly at full disclosure, as it displays or advertises the Rates "after" the 45% Discount, then a little asterisk* takes you to a footnote disclosing the "Discount Percentage Reduction", which, at least for me, is difficult or at least time consuming trying to calculate, considering the possible Market Rate increases. Found a blog online where AARP UHC Plan G members (in another state) were seeing an overall yearly increase of about 9-10%
This is almost as deceptive and complicated as choosing an Electrical Energy provider in Texas!
@@unclelarry623
Ive heard Medicare agents rail about about how bad UHC Advantage plans are yet ive not talked to ONE PERSON ON AN UHC ADVANTAGE PLAN THAT DOESNT LIKE IT. Seems like there is BIG gap in facts on the ground and the perspective of Medicare agents.
I think the one line that can be added to this video is a medigap supplement plan is exactly the same plan type to plan type no matter which company is the seller or administrator.
I didn't need to watch this video because all the tons of junk mail I receive from AARP already clued me in to their game, but it's nice to have my suspicions confirmed.
Don't you also have to consider the size of the company you go with? AARP/UH may not raise rates as much or as often as your Ace $117 company because they have a bigger pool of clients and can better absorb costs. Five years down the road, is Ace still the cheapest for the client?
Depends. It was just one zip code but it was to show that AARP isn’t always the cheapest for the same benefits. Many people call me and find out they have been paying $50 a month more than other companies.
In Nebraska a year and a half ago, AARP UHC Plan "G" was $116.00 a month for a 65 year old non-smoking male. That same premium is now $158.00 a month. You wanna tell me about that big pool of people again? (And their Plan "N" is only $5.00 a month cheaper.)
So, Ace is not available in my state, MO. What's next best?
They also have a bigger pool of sick people.
@@user-nm5yv6ij8w All insurance is going up, not just UH. but their premiums are not the cheapest by far.
In Florida, AARP/UH is great. It has the largest share of the medi-gap market here. I have Plan F. It has consistently covered the 20% not covered by original medicare without question, offers a 24-hour registered nurse for consultation by phone, offers vision, dental, and hearing discounts, and pays for my gym membership. The yearly premium increase is for inflation, not age. I started 4 years ago at about $186/month. This year the premium is $220 - a total increase over 4 years of only $34/month. Your state and region could be different.
If Medicare pays, it has to cover the 20 percent Medicare doesn't cover. That's required by law. That is why people choose it over an Advantage plan. Every supplemental plan must cover what the government stipulates. Also, as I said above, your rate increases with age if you took your plan under guaranteed issue and received a discounted rate, the discount percentage is reduced each year. Then there is also the state approved increase each year. Still, the rate you pay sounds good as it is my understanding that Florida has some of the highest gap insurance rates. but maybe that is no longer true.
Mine has gone up to $ 311.00 😖
@@TravisMcGee151 Oh, that is horrible!
Thank you Brian for the great information about AARP wishing you and family a blessing day
they have dubious marketing...AARP UHC offers a discount that decreases as you age , so low premium start price is BS. plan with gym membership guarantees premium price for first 12 months, G plan w/o gym membership does not. They have different discounts , but the dollars you pay will end up being the same after a few years.
Here in the upstate of SC, AARP is in top 1/3 of premiums. There are at least 20 other providers that are cheaper(and significantly so). People see AARP and get sucked in.
I see it too Carl. Thanks for the comment
78olm
v😊😊9
@@medicare365
I got sucked in and since I had to fill out the health questions. Well, I have to pay $394. I can't afford it so how do I change next year? I have a G Plan.
Call my office and set up a phone appointment 1-844-552-7426
If you applied for the plan under guaranteed issue, the health questions you answered had no effect on the rate you paid. If not, they did.
To say the AARP plan is community-rated (i.e., same regardless of age) is misleading. There may be just one base rate, but age-based discounts starting at 45% for a 65 year old in 2024, progressively dropping to 0% for 86+ ... sounds age-based to me.
I agree you have to look around
True
Is getting United Health Plan G through AARP the same price as getting it through United Health?
Yes. Call us. Same price
Just an fyi.....My neurologist just dropped United Health Care but not the AARP PlanG. They said they are having too many problems with UHC - maybe it's UHC Advantage? I don't know but be careful.
I am a member of AARP. They are very educational but I refuse to support the companies who advertise because they are more costly. I have a Medigap broker and he told me horror stories about UHC in my area. I'm probably going with Cigna, as they have good rates and ALL insurance companies are bound by law what they can and cannot do with Plan N or Plan G; so price is important. Just like shopping for groceries, I compare prices.
Yeah, it's disheartening. When I was initially curious about Medicare plans, I went and looked at the AARP website. Supposedly (I'd thought) they might be an unbiased organization that was pro-retiree. Now, I did not look in-depth, or for very long, but all I came across was their Advantage Plan -- AARP has a special deal/link with United Health Care (I found out separately). I saw no other options, either from other Advantage Plan companies or any reference to Supplement Plans. Although if they do off a Supp Plan, I'd bet it is via United Health Care. Like you, I'm not trying to disparage AARP or UHC, it just caught me as suspect that a pro-retiree organization only had one option (that I saw).
Great comment. Thanks for the input
I am just starting to shop for policies. I am going to be 65 in March. Cheapest G plan (2022 rates) that I am finding for zip code 14435 is $203. $150 would sound really good to me.
The state of New York has a website that you can add your zip code and it will show all the Medigap insurance plans with monthly premiums.
@@yeahright532 that is how I found the $203. They haven't released the 2023 rates yet.
If you're in good health still, you might want to look into an HDG (high deductible G) plan, or even an N plan from United American. Don't let the term high deductible scare you, do a little research into the plan, once you get your head wrapped around it you'll realize how good this plan really is.
@@oveidasinclair982 I have been looking into a high deductible G and may end up with one. You have to be well over $13k in medical bills before you fill the deductible so it is probably worth the risk. An N plan is only a couple dollars cheaper than a G so not worth it. I suspect NY is higher than the rest of the country because the plans are community rated and they can't require underwriting to go from advantage to supplement.
@@davematthews7686 In Florida the deductible is only $2300 and once that is meet everything is covered 100%. Before that everything is 80-20, the deductible is on the 20% part, for a relatively healthy person this plan can't be beat. Are you going to have a bad year every year? So why pay for a full plan G every year.
It's helpful to remember that the AARP membership is only required for the first year, in order to sign up. Membership is NOT required from then on. They don't tell you that explicitly, but in reading between the lines, you learn that membership is ONLY required for sign-up. Additionally, in GA, the AARP/UHC supplement plans are issue-age, not community.
What lines did you read between?
Talked with Boomer Benefits. They confirmed that AARP membership is required ONLY for signing up with United Healthcare. My AARP membership has been expired for a couple months, but I still have my supplement plan. It was the same thing years ago with getting car insurance with Hartford. AARP was only required for obtaining insurance the first time. Reading what AARP says, it's required to sign up, but never again do they say you have to keep your AARP membership current. So between experience and what they both say and don't say, it's clear. Those are the deductive/intuitive critical thinking lines I read between.
The AARP / UHC supplement plans are probably issue age rated for those 65 and over and community based rates for those under 65 who are on Medicare due to disability.
@chuckweatherstone9344 I had Plan G with AARP & yes, initially had AARPmembership. I did not renew for 2 years. I wanted to switch to N & AARP said to switch plans you have to be a member so I signed on for one year just to switch plans.
AARP gets big money from United Health Care for the use of their name.
I have the AARP Plan G, I pay $213 - is there a cheaper, but just as good option in Florida?
You’ll have to call my office. We need more information about your age, zip code etc.
@@medicare365, thank you for your swift reply!!
Great stuff Brian I subscribed to your channel I'm in Westchester county NY & just turned 65 & I get Medicare & suggestions for a secondary ❓ thanks brother Ciao Vic,
Rock on
I agree with you about AARP. They were lobbing congress several years back to promote Obama Care. Wonder what was in it for them. I’m staying away from them. I like an honest hand shake not some political Organization that only interested in profit… Just saying!
My AARP is premium is $224,,, So much for community pricimg 😛
WE KNOW IT'S "HERE"!!!!!!!!!!!!!!!!!!!!
AARP acronym for Anarchists Against the Republican Party
hahahaha 😂
True - AARP is more pro Democrats.
There's a lot more to an insurer than the premium. The vid wasn't helpful because you imply that AARP was doing things that are nefarious and that is simply untrue. I have no love for insurance companies, but you won't have to look far to find someone who has had a bad experience and disparages any company.
💯
Your conclusion is based on one zip code for one particular age and the make a generalization. You’re being a little disingenuous.
We stopped marketing U/H AARP Med Supps, especially with people aging in, we been using exclusively United American with their HDG/HDF and N plans. Pricing is better and they're more stable as the client ages.
AARP is a HUGE contributor to the Democrat Party. Therefore, I do not buy into their offerings.
You might want to check your facts out on Snopes. The statement above is not accurate.
Cause Trumpster really delivered on that great medical plan he promised would happen right after he got elected. The Democrates plans may miss the mark, but Republicans have had forever to offer a medical plan and have never even tryed. As a matter of fact the only thing they back is keeping Big Pharma and Huge Insurance companies rolling in massive tax cuts and legal loopholes. Why don’t we all quit party pushing and start demanding real action from the people we elect.
That’s an erroneous approach. AARP is really an agency, and the insurance company is United Healthcare. To be political for a moment, the Democratic Party, from FDR through Biden, have proposed, and passed, health care in some manner or another. You cannot show one health care proposal from the Republican Party in all those years. In fact, in the new Congress, there are several Republicans who are proposing bills to eliminate both Medicare and Social Security, and let everyone go into the “wild, wild west” on their own. This would obviously be a stupid thing to do to the American people.
My only complaint about the system is the disparity of rates across the country in the various plans. It would not be a problem to actuarially iron out those differences, and stop this annual race to the finish line that occurs. And the “broker system” could then be taken over by Social Security. This would yield a considerable savings for the beneficiaries.
Same.
That's naive. You'll find it's about money, not politics. That's why if it was available and cheaper in your area, you'd buy it.
STOP SAYING "SO"!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
That’s your whole focus? Get out of the recliner and go for a walk Johnny
Hello BRAIN IM SO HAPPY to see you I'm sorry I'm having trouble with my 📱 but I'm still around and I'm hoping you are doing ok thank you very much for all your time you give use so we could get Avery good choose in having a great plan of Medicare and of course we need to listen we need to be smart there is no money to be lossing it's time to say bye bye you have a great night it's me your friend from Calexico CA Kings of the valley Egypt ❤ remember that Christmas it is around the corner🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄🎅💝🎄you have a great one