Anyone have personal experience with AARP Medicare complete secure horizons?

[Fuzz]

My parents are considering it and I'm not convinced it's for them. I've read a lot of complaints.

He was told it would save him a lot of money, which is a good thing, but at what cost or will it even save him money in the long run?

If anyone knows anything and can shed some light on it for me before he makes the decision, I would greatly appreciate it.

Thanks.

[Atman]

1. I think it's handled by United HealthCare, with totally blows.

So, if UHC writes the policy, it's probably pretty lousy. I'm not certain, though, but I'm 99% sure I saw that it the tiny disclaimer on one of their TV ads.


.

[petersjo02]

2. Any of these types of plans for Medicare Advantage should

be avoided. They end up costing the consumer more money, not less, and the fees paid to participating providers by Medicare are higher than standard Medicare, costing us taxpayers more money. They should drop this idea and sign up with regular Medicare with an authorized supplement policy to fill in the cracks. My understanding is that also subscribers to such plans have a limited network of providers they can use. With regular Medicare, you choose your own doctor, hospital, pharmacy, etc.

[Fuzz]

3. That's always been my understanding as well, and I was taken aback when

he told me. I think the AARP name is what drew him in.

[MineralMan]

4. My parents had that and switched to a straight Medicare

supplement. They didn't like the waits for appointments and discouragement of treatments they go. Medicare Advantage programs like that one are not going to be around much longer.

AARP also offers simple Medicare Supplements. Tell your parents to look into those. They're lots simpler to understand and more flexible.

[rocktivity]

6. I just spent the past 16 months doing Medicare billing

We billed paitients for what Medicare didn't pay us only if they didn't have secondary insurance, or if their secondary insurer didn't pay in full. NOT ONCE did I ever need to bill a patient who had a AARP Medicare supplement plan!


rocktivity

[MineralMan]

8. Yup. My Mother-in-law just keeps getting statements showing

Zero as the amount owed. I start Medicare next year, myself. Oh, joy. But I'm working hard to try to get Medicare for all.

[postulater]

5. If they go to a chiropractor

they will pay a full office visit copay of maybe $30. Under straight Medicare their copay would be five or six bucks with that being paid by a supplement in many cases.

Of course that has to be balanced against the premiums.

[Liberal In Texas]

7. My mother has it and likes it.

I think the big disadvantage is that it's like an HMO and you have to use approved providers and if you go out of area you're not covered unless it's an emergency. There's also a dental and vision care provision you don't get with Medicare.

[MineralMan]

9. My parents liked it, too, until my Mom needed a knee

replacement. They stalled and stalled. She didn't get it until they changed to regular Medicare with a supplement. Then, she got it a month later. She was in a walker before the surgery. Now, she's had both knees done and is out gardening again at 85. My Dad just had a hip replaced at the same age. Zero cost to them for either.