Editorials & Other Articles

Ms. Toad

(38,228 posts)

39. Supplemental plans are identical. It doesn't matter who you buy them from,

Mon Dec 30, 2024, 01:55 PM

Dec 2024

so you should buy the cheapest over time. (I plotted out cost through age 100, based on historical data - UHC was considerably cheaper than its lowest competitor).

Aside from that, if you drop your supplemental plan, there is no guarantee you would ever be issued another one. You have one chance (in most states) to pick a supplemental plan. Unless you move or the company goes out of business, no other company is required to issue you a plan - and if they choose to, they can charge you based on your current state of health.

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Drop AARP now - they are a shill for UnitedHealthcare [View all] KatK Dec 2024 OP

No thank-you. I am NOT on their advantage care plans, and have absolutely no issues with them. Why would I cut my JohnSJ Dec 2024 #1

UHC, though, is the worst offender by a large margin. Scrivener7 Dec 2024 #3

Not if you are on a Medicare Supplemental Plan. If Medicare approves a procedure or visit, they MUST cover it. It is JohnSJ Dec 2024 #6

Yep Yonnie3 Dec 2024 #17

Mutual of Omaha Henry203 Dec 2024 #28

However the denial stats for UHC under moniss Dec 2024 #19

That may be, but Advantage Plans in general are where the problem is, and going after one insurer will NOT fix the JohnSJ Dec 2024 #36

However the issue is not just the insurer moniss Dec 2024 #41

Almost half of seniors DownriverDem Dec 2024 #30

Can't drop what I never picked up. Voltaire2 Dec 2024 #2

AARP has th best denatl Henry203 Dec 2024 #27

I sent them a SHAME letter about "The Donut Hole" young_at_heart Dec 2024 #4

What's a better supplemental plan? Ritabert Dec 2024 #5

Exactly. No supplemental plan can deny coverage if Medicare says it is covered. Advantage Plans allow the insurance JohnSJ Dec 2024 #7

Good point. Ritabert Dec 2024 #15

I have Physicians Mutual through Plan G QED Dec 2024 #8

Thanks. I'll look into it next October Ritabert Dec 2024 #13

Mutual of Omaha has the best price Henry203 Dec 2024 #25

Thanks I'll check it out. UHC isn't cheap. Ritabert Dec 2024 #40

USAA.com has a very good supplemental. erronis Dec 2024 #12

They are all the same Henry203 Dec 2024 #24

There are different plans, identified by letters. Plans with the same letters spooky3 Dec 2024 #31

I did the research Henry203 Dec 2024 #33

My point is that your posts that "the plans are all the same" spooky3 Dec 2024 #34

Mutual of Omaha Henry203 Dec 2024 #26

Supplemental plans are identical. It doesn't matter who you buy them from, Ms. Toad Dec 2024 #39

What Robert Kuttner should be talking about is the problem with Medicare Advantage Plans or HMO's, because JohnSJ Dec 2024 #9

And not only that! AKwannabe Dec 2024 #10

AARP does delta dfental Henry203 Dec 2024 #23

I had a sub... 2naSalit Dec 2024 #11

I have not had any problems whatsoever with United HealthCare. milestogo Dec 2024 #14

Don't have United Healthcare DownriverDem Dec 2024 #16

UnitedHealth has long been known for its cruel policies. summer_in_TX Dec 2024 #18

This is a known Figarosmom Dec 2024 #20

I dropped AARP Linda ladeewolf Dec 2024 #21

AARP also does delta dental Henry203 Dec 2024 #22

In both Ohio (two years ago, 15 years ago) and Nebraska (30 years ago) Ms. Toad Dec 2024 #38

United Health owns AARP Mblaze Dec 2024 #29

never joined. barbtries Dec 2024 #32

No thanks. We have both an AARP membership and a UHC health insurance plan through ACA. Happy kelly1mm Dec 2024 #35

In every jurisdiction I've checked, their Supplemental Plan is the best available Ms. Toad Dec 2024 #37