MILTON, FLORIDA -- My husband has pancreatic cancer. After endless hours on the telephone with Secure Horizons, UHC I was asked how many procedures we are talking about. "I said 3 x 52 = 153 procedures". She said "OK 153 procedures" and gave me pre-approval to use procedure code 62360 for my husband. It was explained that this code was exclusively for the procedure. They did not require a code for what goes into it, i.e. if use saline, no code is required.
My husband has been getting his procedure three times each week. UHC paid approximately two each month and denied the rest as "813 included in global package". After several months of endless phone calls, I am now told that they will only pay for this procedure every ten days.
I applied for AARP Medi-gap to pay a premium of $260/month. My mom had some therapy done and 3 months later after getting the bill, AARP comes back denying the claim. They say they determine it was a pre-existing condition; meaning the first 3 months of the plan they will not cover. OK I'll be willing to give them that. The second half of my mom's treatment is purely cost of meds (Medicare part D) so AARP knows it doesn't have to do that.
Later my mom has some simple blood tests done and Medicare only pays $20+ and AARP is supposed to pay the rest. They denied the claim. Zero. Three months of paying $260/month and they wouldn't even pay $90: taking your money and going out of their way to avoid giving any coverage no matter how small.
Secure Horizons cancelled my insurance last March claiming I moved. Well, I did -- exactly 3 blocks! From one rental to another. Always had a PO Box, so no change in mailing address, kept same doctors, pharmacy -- no change of address (needed) with IRS, DMV, Social Security, banks -- any and all manner of potential address change. Could it be I was canceled since for the first time in over 12 years I had an actual medical issue? Could it be I'm now in my 80's and might start costing money after over 20 years with them?
No amount of calling/letters/attempts to explain to somebody would could clear it up. Even an attorney could not reach anybody and every call had to start over. He didn't want to continue charging me for the impossible. Meanwhile I'm stuck with NO Medicare Part D, have to make co-pays, etc. They are one bad, bad, dishonest organization. Avoid them at all costs -- or you'll have costs eventually!
I purchased a supplement from United Health Care through AARP. I asked if they covered deductibles and was told yes. They record everything that is said when filing out your application on the phone but, they will not go and check recording and hear what I was told. I took out this plan because I was told they would pay the 20% that Medicare didn't pay and with the plan I was taking the deductibles also. When I inquired about this when claims were submitted they told me that I was not told this. If I was then the salesperson need to be retrained, which I agree. I plan on changing to another company.
On July 30th I finally received a "PROVIDER MANUAL'. Only seven months into my contract year!!! I had occasion to call "AARP medicare complete" in February of this year and was told by a supervisor that my co-pay would be waived for a medically necessary Cardio rehabilitation. After my 12 weeks of the cardio rehab program I was billed for over $600.00.
When I called AARP medicare complete customer service I was told by another supervisor that CO-PAYS are almost never waived and AARP was not responsible for any misinformation given by customer service. I will be looking to change Insurance this year. I would strongly suggest that any approvals given by any Medicare supplement insurers customer be in WRITING.
I never thought I would look forward to turning 65. But when I get Medicare I can wave goodbye to AARP United Health Care. $300 a month for the worst insurance on earth. They don't even cover a mammogram! They don't cover office visits and the office visits you pay for do not apply toward the deductible. An organization such as AARP that claims to have seniors' best interests at heart should be ashamed. But the executives who manage these companies don't know the meaning of morality.
What choice do I have? If I got cancer or a stroke or heart attack I could lose my house and every dime of savings. I have to have insurance and this is what is available to me. How pathetic that these people have to make their inflated salaries by taking advantage of others.
PO BOX 29675 HOT SPRINGS, ARKANSAS -- On or about 15 December 2008, I enrolled in the AARP Medicare Complete plan #3 with the High Rider Option. On at at least three occasions since, I have called, talked to customer service and complained that I had not received a payment book or membership identification for the rider coverage. On this date 15 August 2009, my mail contained a payment book with payments starting on 1 January 2009. That's 8 months of no coverage which I have no intention of paying.
I tried to call them at 1 800 950 9355 on multiple occasions only to be told "Sorry but we are experiencing system difficulties, please call back later". I have had it. Did you see the multi-multi million dollars profits this company is racking up in the times of hardship?????
I purchased the deluxe rider for $39.00 per month. I called to see what my eyeglass benefits were and was told I didn't have any. If I would have saved my $39.00 each month I could have afforded a pair of my much need eyeglasses. I will be shopping next open enrollment hoping that the salesperson is completely honest with me.
CALIFORNIA -- AARP Medicare Complete from United Healthcare is a nightmare. Do not do business with this company. AARP should be ashamed to sell this service to the elderly! The plan advertises doctors that allegedly are included in the plan, but no longer participate.