AARP Medicare - Page 2

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Block on My Card
Posted by on
SALT LAKE CITY, UTAH -- I have AARP Medicare Complete (Group/Retiree Plan which has a prescription component).On my way home from the Dr. I stopped at my local drug store to get prescriptions filled. It seemed to be taking ages and finally the young man behind the counter told me that he couldn't get an OK from United Health care(provider of AARP MedicareComplete)--they said there was a block on my card. OK. I was feeling lousy and anxious to start the medications so I went home and got on the phone. The number the druggist had given me was wrong. Another number provided. Called again, went through an extensive menu, finally got a human who informed me that this number also was wrong. I was directed to wrong number after wrong number--an hour and a half worth. Nobody could tell me why my card was blocked or who had blocked it. Finally, someone determined that it shouldn't have been blocked and told me this would be corrected in 48 hours. 48 hours!!! I needed my prescriptions before then! Finally, a nice woman called Debbie H got the time frame reduced to two hours but she couldn't tell me why this had occurred in the first place. She told me she'd mail me a complaint form, which I am still waiting for.
Compared to other problems I've read about, this is minor, but it was an inconvenience
that showed me that their systems are screwed up!
     
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Anonymous on 2010-11-30:
Don;t waste your time with a complaint form. It will probably end up in the trash anyway.
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Complaint
Posted by on
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.
     
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Alain on 2010-11-19:
It sounds like the 3 weekly treatments are essential. If the policy won't cover it check with the doctors office (they frequently have helpful information about financial considerations) and see if your local social services might be able to give you some assistance.
Xylie on 2010-11-20:
There is a website,you may already know,but if not it has a LOT of tips and help from REAL people who,like you are having problems paying.Anyway,check it out,could help.It's 'The Cholangiocarcinoma Foundation".I just Googled 'does medicare pay for pancreatic treatments?' And this site was the 3rd one down from the top on the first page.It's a discussion group.And is really good and has ideas to help you out.God bless and good luck.My sister was healed 6 yrs ago,{stage 4 non hodgkins lymphoma,} cancer free ever since.
Debbie on 2011-06-04:
Right now, I cannot give you detail by detail on how AARP Medicarecomplete Secured Horizons/United Healthcare has lied, screwed up my claims, switched the reason they are now deciding not to cover my claim after an entire year they said it was covered to the point they wanted to know who to write the refund check to...NOW... I am fighting them big time and will not stop. I am so SICK AND TIRED of power and money getting away with being so corrupt. Believe me...I will not give up. Unfortunately, this is a company that works for this government and we all know how corrupt that is. Big, Powerful and wealthy. However, soon, I hope I can let you know this has been resolved the way it should have been long ago. They need to "right their wrong"...I'll keep you posted.
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Don't get AARP Medicare Supplement!
Posted by on
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.
     
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jktshff1 on 2010-07-25:
I wouldn't get anything from from the Association about ripping off retired people.
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Secure Horizons AARP -- Horrid!
Posted by on
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 orgainzation. Avoid them at all costs -- or you'll have costs eventually!
     
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Anonymous on 2009-11-01:
Secure Horizons has to follow strict guidelines set forth by CMS, the Centers for Medicare and Medicaid Services. If you honestly believe your insurance was terminated because of an acute illness then you have options and are within your rights to file a complaint.

You can call them at 800-MEDICARE (800-633-4227)or visit their website.

http://www.cms.hhs.gov


Anonymous on 2009-11-01:
The link above doesn't work when you click it, so type it out and it will take you to the CMS website.
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Provider manual
Posted by on
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 rehabilation. 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 suppliment insurers customer be in WRITING. Dennis Long
     
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goduke on 2009-08-04:
It used to be in Texas that if an insurance company quoted you a benefit, they were bound to it.
janelle8987 on 2010-12-13:
Just to advise the approvals if given are submitted to you in writing. Anything that is approved or denied should be sent to you in writing.
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AARP United Healthcare Costs Plenty, Covers Nothing
Posted by on
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.
     
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jenjenn on 2009-03-20:
Don't you have Medicare? They cover mammograms every 12 months.
flaminkokid on 2009-03-20:
Two more years until Medicare kicks in. That's why I am forced to buy health insurance. When you reach a certain age the insurance companies don't want to insure you because you're a liability. And they can charge whatever they want. I was turned down by BCBS because of a pre-existing back condition. United gave me a policy for $300 a month with a $5000 deductible and almost nothing applies to the deductible. What are my choices? If I developed a serious illness between now and the time I turn 65 and I didn't have insurance, I could lose everything--my house and my savings. I'll pay the $300 a month but I'll gripe about it. I hope Americans are finally starting to get wise to the bloated, immoral blackguards who run these corporations. Maybe the next generation will get a better shake.
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Beware
Posted by on
It sounded good but when I checked into the available doctors most were not still at the same address and other doctors were not ones that I prefer. Make sure that the provider that you want is still available under this program (even if they are listed in the book!)
     
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AARP Medicare Complete Is A Scam
Posted by on
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.
     
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Anonymous on 2010-08-02:
I will heed your advice Stew51l.
jktshff1 on 2010-08-02:
AARP is in it to forward their own political agenda and no other reason.
LoriC on 2010-11-20:
A couple of years ago, my elderly mother used their Dental Gold Plan for a while, and all of the dentists listed in the booklet within a 5-mile radius of her home had several complaints filed against them. One of them was even suspended from practice by the Dental Board for incompetence and had a litany of complaints and disciplinary proceedings. I called Customer Service and spoke to a supervisor. I asked her if anyone at the company bothers to research these dentists before turning them loose on the plan members. She was very startled and apologetic and said she would refer the matter to her superiors. Long story short - several years later, the same dentists still appear in the booklet.

This company is incompetent. If my mother didn't have so many pre-existing conditions, we would have changed providers a long time ago.

Senior citizens, beware.
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Salespeople not up to quoting health insurance
Posted by on
I purchased a supplement from United Health Care through AARP. I asked if they coverd 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 sales person need to be retrained. Which I agree. I plan on changing to another company.
     
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Anonymous on 2009-08-25:
I hate to say it but sales people on the phone (and yes, the people on the phone are there to sell you on a product) will tell you anything that will prompt you to sign up. If they aren't willing to send you the information that states what is covered, don't sign up with them.
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Failure to fulfill
Posted by on
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?????

     
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Anonymous on 2009-08-15:
Is this for a Medicare supplement plan? If it is contact the Centers for Medicare and Medicaid Services. Good luck to you!

http://www.cms.hhs.gov/ContactCMS/
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