TEXAS -- I have not seen a single aspect of this company that would lead me to believe them to be credulous in any way.
* It took a full 10 hrs over a 2 day period, just to enroll.
* I repeatedly experienced misinformation from the 12 reps that were "helping" me. Ask 3 different reps the same question, and see what happens.
* I've been placed on very long holds, only to be disconnected. I've been "disconnected" over a half dozen times. Sometimes while on hold, sometimes when the representative was obviously stalling.
* The automated phone system seems to be designed to promote frustration, in hopes you'll give up.
* I've had 2 reps supposedly email me a list of local providers. One took 60 seconds to put it together. The 2nd put me on 3 long holds over a 15 minute period. I've received nothing. (Not even in the "spam" folder)
* Beyond the dropped calls, I've been redirected to reps in other departments that don't even handle the issue in question, then disconnected while being transferred back.
* Trying to find some things on their website is similar to yearning for the Holy Grail.
* Hartford Insurance quoted me over double what I currently pay.
* Delta Dental only paid half of what their agreement states.
* Advertised "benefit" is "15% or greater" discount from Hewlett Packard. Actual discount offered was about 1.5%
*** Do not be fooled. This is organized crime. I firmly believe that they intentionally use aspects of old age against their clients. If you have another option, chances are incredibly high that the other is the lesser evil. AARP and the affiliates that I have dealt with have left me with the impression that they are all unscrupulous, unethical vultures. If you let your family members enroll with these companies, they will most definitely suffer in a variety of ways. But be certain there is another valid option, because if you drop them, you can't re-enroll for 12 months. Their online rating is one star out of five, and I can personally guarantee that this is only because "zero stars" is not an option. I personally experienced all of the above in the first 8 weeks of membership.
I have seen many complaints on the site about AARP and their less than pro-elderly tactics. More as acting as a front for other advertisers. Well, this morning I had an experience that reduced their credibility even further. Zero, in my book.
There is an ad on TV (endorsed by AARP) for supplemental Medicare health insurance. Next year my wife and I will begin getting Medicare. The logical thing to do get as much information as possible BEFORE you are faced with the commitments. Not the way the people that use the AARP tag to push their products see it.
I called the advertised number (1-800-495-9576) for the United Health Care Medicare supplement information. The girl asked several innocuous questions. One of which was my date of birth. No big deal. I am sure there are many people born on my birth date. Then asked if I was currently on Medicare. I told no, not until next year. Here is the killer: "We cannot give you this information unless you are currently on Medicare."
This was only supposed to be a request for a booklet of information. But their position was obviously to line you up with spending money by the end of the phone call.
I then called AARP. They claimed no connection with what the ad claimed. That is to supply you with information. Bear in mind the AARP logo is the largest print on the booklet you see on the TV ad. No matter. AARP is concerned only with the kickback. They are totally disinterested on whether these companies provide any service for their members.
With that I advised the AARP representative that since they provided no useful assistance, service and/or information when our membership expired it would not be renewed. Not that they care in the least. But I felt better.
PORTLAND, OREGON -- In the beginning of 2014 AARP cut off one of my main drugs called GLYBURIDE for diabetes and said they were not paying for it anymore and were substituting a less expensive drug they said called Glyburide. The new drug ended up almost killing me causing over 21 side effects over the first weekend I started taking it. I was inches away from death. I called them and the customer service department told me twice that this Glyburide was too expensive and that is why they changed drugs. It turned out that was a lie. I can get this drug at WalMart three months for only $39.00.
I talked to my doctor and we came up with a plan to appeal this decision for them to get me back on the Glyburide and she wrote up 4 different times the appeal paperwork. They came up with a decision within one day and that was too quick. Come to find out my doctor as well found out when she called them that they never read any of the appeal paperwork. When she started asking questions about the drug as well as other questions they stalled and knew hardly anything. The pharmacy told me drug companies often do this because of cost of the drug. I said what if people get sick and he said drug and insurance companies do this all the time and to get used to it and that there was nothing that could be done about this company and that they had had trouble with them in the past. My doctor called me later in the week and told me that almost all her patients had problems with AARP United Healthcare and that that was the worst Medicare Insurance companies she has ever had to deal with because they cut and deny almost everyone on tons of drugs.
I know I am not the only one that had this happen to me. It is not the cost if WalMart could still get the Glyburide to me for a low price. So,the doctor gave me a prescription immediately for the old drug Glyburide and I took it to Wal Mart and had it filled and am still doing that today and will still have to do this because of AARP's greediness and poor and shotty customer service as well as a horrible appellate division that can care less about the elderly and the sick. It is about $$$$$$$ only to them. They re greedy jerks that have no conscience. It is not my fault I am diabetic and have been in two car wrecks causing my medical problems. I feel that AARP thinks that all diabetics cause their own demise and medical problems and that is not the case at all. Please never ever never ever ever ever never ever get this insurance company.
I know of at least 25 people at Chruch since last year that have switched insurance companies because of what happened to me as well as similar stuff that happened to them in 2014 the same year per my story. Of course my doctor said they never read any of their appeal paperwork either. She also said of all the insurance companies in Oregon AARP is the worst one to deal with to get stuff approved because they don't care about the elderly whatsoever.I would not recommend this insurance company to anyone not even someone that is one of my worst enemies in the entire world. I hate your GUTS a million times over AARP United Healthcare or whatever one of the over 50 names that you have.
I do not care how much money or the trillions you have because of your [snip] greediness.You suck big green boogers coming out of your nose. What you did to me and the 25 people at my Church did not have to ever, ever happen. You are horrible AARP United Healthcare.
LEXINGTON, KENTUCKY -- I sent this letter to The Hartford in response to their 'new lower rates' promo they sent me:
"The Hartford May 10, 2011
To Whom It May Concern:
I recently received the enclosed ‘Lower Rate Notice' from you. The only ‘lower rate' I am interested in was the one I had with you before you cancelled my policy. In January 2011, having almost no income, I did not have the full amount for the payment requested on the statement you sent me that was 3 times what I normally paid (under the guise of being an annual deposit) and I paid only my regular monthly amount. You promptly sent that back to me with a notification that you cancelled my policy. This happened after I had requested copies of all my many years of policy and payment history because your billing amounts are irregular and I could never get the amounts you wanted to balance with what I paid and what you said I owed. No matter what I thought I had paid in advance I was never paid in advance according to you and frequently accrued late fees because you said I still owed you money. After being a customer for many years I felt it was unnecessary for you to be charging me an annual deposit like any new client. That shows your loyalty is only to the almighty dollar and not your customers. After cancelling me and while I was searching for new insurance, you were then more than happy to provide me a quote with a ‘new rate' that was almost $100 more per month.
You are rip off artists and I want to get the word out. I plan on doing that via the internet by explaining just what you did in order to inflate my premium and then cancel it. And in order to renew it I would be paying 1 ½ times what I had been. THAT is no discount.
I have moved on and gotten insurance elsewhere, you are thieves, do not contact me any further. I think AARP needs to know how you do business as well.
That about says it...don't trust them..it sounds good but they jerk you around and instanteously cancel your policy when you start asking questions...I have had car insurance for 41 years and have NEVER been cancelled until now.
FENTON, MO -- I work in an internal medicine office with 2 physicians. This plan is an absolute nightmare. Originally, we did not accept the HMO plan. As of 01/09, we started to accept it. BIG mistake! I do coding/billing and am also the referral coordinator. Everything that the patient has to do outside of their internist's office, whether it be see a specialist or having surgery, has to be called in by your internal medicine physician. It's what is known as a "gatekeeper plan". On numerous occasions, I have a specialist office call and say, Patient X is going to have surgery tomorrow and I need it authorized. I tried to do it, but they said that the PCP has to call and get it authorized. Are you kidding me? Such a HUGE hassle. They have to call and give us the CPT and ICD-9 codes that they are using. If Secure Horizons has a question like, have they had a such and such test done, I most likely don't have that information. I have to hang up with them, call the specialist back and see, then call Secure Horizons to let them know. Stick with plain Medicare and get a secondary insurance such as Anthem or straight UHC. You will benefit so much more in the long run.
I just get so sick and tired of our elderly patients getting manipulated by the Medicare replacement plans. It all sounds great initially, but when it comes down to it, they are full of...well you get the gist.
PENNSYLVANIA -- Attempting to receive a less expensive Auto Insurance policy, I decided to go with what was advertised as The AARP Auto Insurance program.
What arrived was a company called The Hartford? After going through the usual questions and required information over the telephone. I sent in my 6 month advance payment.
What arrived next, was a complicated 18 plus page form to fill out and sign. Page after page of statements and complicated legalese, with my signature in more than several places.
After completing what I though was the required info. I was informed by a phone call, that I had not signed the forms. A second set was sent to me, and I went through the lengthy and complicated process all over again. This time with The Hartford's agent over the telephone...
three weeks passed when, I received a notice from the State of Pennsylvania, stating that It had been reported to them that my auto policy had been canceled. New forms and legalese from the state to sign, that I had not driven my vehicles while the policy and been canceled.
The Hartford had notified the state of the cancellation, thus causing my insurance rate to go up. Essentially the Hartford told me that some part of the form had not been signed, and there was nothing I could do about it.
They left me scrambling for a new policy, at thanks to the Hartford, now at a a higher rate too.
It cost me 265.00 to find a new auto insurance policy and pronto.
The additional auto insurance forms are going to be real trouble in the state of Pennsylvania and The Hartford is going to screw you if make some understandable mistake on these things. Like miss a signature somewhere on these lengthy and confusing things!
We do not live in a Nazi Police State where insurance companies like the Hartford have the right to report unsigned documents to the authorities and compile a dossier on you, the irrelevant discarded customer.
My advice is to refrain from using the AARP and The HARTFORD .
Pennsylvania is also going to have a huge quagmire of problems over these silly and what should be unnecessary forms.
GILBERT, ARIZONA -- Does AARP know the service offered by SecureHorizons/MedicareComplete is not what they claim to be? I doubt it. I changed my provider last November and have had NOTHING but problems since the very beginning. They enrolled me in the wrong plan. Insisted my primary care physician would not see me as he was not taking new patients. Made no difference to them that I was an established patient. After MANY phone calls and speaking to many different Customer Service people (who all promised) they would take care of the problem I still kept getting insurance cards with wrong PC name. It took several more calls to get the problem taken care of. I then went to a specialist this AM who is listed in my plan book, and has been my doctor for over a year, to only find out they do not take my insurance and never have. I need this physicians service as I am a recovering cancer patient. He did see me today and only charged me what my co-payment would have been. However, he will not see me again unless I get the insurance problem taken care of.
Since I cannot not change Medicare provider until next November I can only pray my cancer stays in remission until I can change insurance carriers. I have NEVER had so many problems with insurance in all my life. I would not recommend MedicareComplete/SecureHorizons to my worst enemy.
NATIONWIDE -- Either these folks are incompetent or the AARP Scsep program is a sham, intended to get more money. After 3 months of waiting (because the staff at AARP told me the program was full), I got an appt. to apply for their SCSEP training program. I noticed that only 2 other people were signed in for the entire day.
The man at the Dept. of Labor who fills out the app with each senior told me the app. was sent to the AARP as soon as he completed it and hit "send". I waited a week and called the AARP. The woman told me my application had not been received and that I should wait another week. The oddest part of it was that she never asked for my name or anything else that would identify me, so how did she know my app hadn't arrived? Did she say that because they haven't received ANY applications yet this year? not likely. It's more likely she was simply lying. Why would she lie? I can only speculate.
I called the national number for the AARP to ask them to look into it. The automated system asks if you're a member, but even when you say "no", and then connect you to a real person, that person asks for your membership #, then tries to sell you a membership. They're just salespeople at a call center who don't know anything about AARP programs. The first young woman hung up on me when I said I didn't want a membership, so I called back. That guy said he couldn't refer me to anyone who could help and that he was sorry he couldn't help. That was it.
So, I spent 3 hours (incl. one hour of waiting) trying to get in their program....all for nothing.
WASHINGTON, DISTRICT OF COLUMBIA -- As a member of AARP, I got an offer from Hartford Insurance to save more than $300 per year on car insurance. I requested a quote and as promised it was more than $300 less than my current company for the same coverage.
My current agent told me if I could get that price I should take it. So, I switched to Hartford. One year later when I got my renewal bill the price went up by more than $300. When I called Hartford for an explanation I was told that "Hartford had re-evaluated their Illinois rates". I have no tickets or accidents. Fortunately for me, I was able to go back to my old company. Now once again, Hartford is sending me offers to save $300 per year. I wonder if Hartford pays AARP for their endorsement? At least in my case any endorsements I get from AARP are suspect at best.
PORT SAINT LUCIE, FLORIDA -- Part of your monthly United Healthcare insurance payment goes to AARP directly (they don't tell you how much). I paid $130 monthly for 6 months and they hardly paid anything out.. . . still had deductibles and had to pay portion. . What they tell you in order to get you to sign up and what is reality . . .it is a scam. Better off being with an HMO or just on Medicare. I paid $46 for RX through them and had high payouts and was constantly told by RX Store that I must be in the "black out " period or something of that nature. . . it's a joke. The only ones profiting from these plans are the insurance companies. I opted out and I am trying Humana HMO plan. . ..no monthly payments and I have getting better RX than with AARP and no deductibles to primary. . . so far so good.