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1.3 out of 5, based on 14 ratings and
46 reviews & complaints.

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AARP/New York Life
Posted by on
New York Life insurance company is currently running a TV ad that is obviously designed to scare the elderly into buying their life insurance. They are suggesting that if you have outstanding debts such as medical bills, credit card balances and funeral expenses they may fall to relatives to be paid. This is tactic is despicable.

No relative is responsible for any medical expenses or credit card balances beyond the ability of the deceased estate to pay. This assumes the deceased is to only one on the account.

Funeral expense are a different issue. They should be paid from the estate if at all possible. However the contract for payment is usually someone who is living. Whoever signs it IS responsible.

Purchasing enough life insurance to cover funeral expense may be a good idea if you can do it with hurting yourself financially. But do not be suckered into buying enough to cover all of the other items based solely on the idea that your son or daughter may have to pay them out of their pocket.
     
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jktshff1 on 2011-01-31:
American Association for Ripping off People
MJGoldfarb on 2011-01-31:
I get at least 4 AARP and AAA insurance purchase forms every month. Seems to me they are insurance companies instead of an advocate for retired persons or automoblie roadside service (and of course they are making a profit on the insurance).
Alain on 2011-02-01:
Good information. AARP will sell it's name to any company without regard how that company treats it's customers or the way they advertise. I've lost all respect for AARP.
danny54 on 2011-02-01:
I guess I've been lucky with AARP. I've used their travel service to make hotel reservations and never had a problem...even saved enough to pay for the AARP membership. I, too, get a lot of mail trying to sell me AARP life insurance. I just pitch it because a couple of medical conditions make getting affordable life insurance virtually impossible.
leet60 on 2011-02-01:
I have to comment on the statement that no relative is responsible for the debts of a deceased. In many community property states both parties to a marriage can be held both equally and separately liable for any debt incurred while married. With the exorbitant costs of funerals and interrment, and other debts life insurance is never a bad idea.
Ytropious on 2011-02-01:
OK so I'm confused. If my husband has a credit card with a balance on it, he is the only one on the account, and he dies, do I have to pay for it or not?
tnchuck100 on 2011-02-01:
leet, you are right. I left a nit unpicked. "Relative" in this context did not mean husband/wife.
momsey on 2011-02-01:
Ytrop, you only have to pay for it out of his estate. If he has no estate to leave, no life insurance, etc, you do not have to pay for it out of "your" money.
Ytropious on 2011-02-01:
Woot! I have no debt, but hubs has a few store credit cards run up, mainly Home Depot and Lowes from our remodel. I get a lot of money if he dies on the job but that's about it.
Anonymous on 2011-02-01:
Y, check this out, too, just in case:)

"Community Property States
•If you live in one of the nine states that operate under community property laws, you do remain technically responsible for your husband's debts after his death, even if the card was solely in his name. However, the options for the credit card company in recovering the debt can be somewhat limited depending on the laws of the state in question. In this situation, find out what your own state's laws are and seek legal advice before making any moves. The nine community property states are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin."

I also read that even if you don't technically owe, the credit card companies will still try to collect. It sounds like a lawyer would definitely be needed to determine if you pay or don't pay. As momsey said, sometimes you don't. Just to be sure, make him pay it off!
jktshff1 on 2011-02-01:
had a couple that tried to collect on me after my father died. I just had fun with them. I was vulgar, nasty, just loved sticking it to them.
danny54 on 2011-02-02:
We (my sister & I) had a company send us a "final notice before collection" on a LifeLine account my dad had before he died. Took them SEVEN months to send it. They sent no other communications. In talking with them, they offered us a 20% discount due to the communication error. I jumped on the "communication error" admission and ended up getting them to write off the entire bill. It was only $200, but to me it was more the principle of the thing.
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AARP is not friendly to seniors
Posted by on
Seniors need to be aware of the high cost of doing business with AARP. I became an AARP Member 14 years ago and had auto insurance through them (Hartford)for about seven years. Every year the cost went up, even though I didn't have any claims. And, when I called them they just shrugged it off as "costs are going up by other companies as well". When I checked out other (major) insurance companies, I found that I had been paying 30%-40% more for the same coverage. I switched and have not used them since. I checked AARP for life insurance and found they were much higher than some other reputable companies. Again, AARP is taking advantage of seniors who believe they are getting a good deal because it is AARP. Recently, in looking for a Medicare Advantage Plan, I found AARP's prices much higher than other reputable companies. So, the lesson here is do your homework and check other reputable companies. You will save a lot of money. AARP is not what it used to be many years ago - a friend of seniors.
     
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Anonymous on 2010-08-04:
Sounds like they don't help seniors at all. I've been hearing this a lot lately. Glad you were able to save so much! Thanks for the post.
Alain on 2010-08-04:
Despite AARP's disclaimers, they have to take some responsibility for the actions and performance of companies that use their logo. If your company is willing to pay the money, AARP will happily let you have access to their members and use their brand to sell your product.
Jun on 2013-06-05:
I got an offer from AARP today with a initial $16 1yr membership fee, I'm glad I check this reviews first b-4 I sign for it. thanks ....
Laura on 2013-08-25:
Good to know I almost signed up for AARP. I'm staying away from this.
Brenda on 2013-09-26:
Glad to hear, I received a $16.00 dollar 1 year enrollment as well, something told me to check reviews, glad I did. I will not be enrolling.!!
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Please, please, please...Do NOT choose AARP Medicare Complete Secure Horizons
Posted by on
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.
     
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old fart on 2010-07-28:
It always sounded to "pat" to be real... I get offers of this EVERY week and will not get involved!
Anonymous on 2011-03-16:
Thanks for the very helpful review. I always wondered the ins and outs of these plans. Too frequently they make it very difficult for the patient to receive the care that they need. It's great that folks like you shoulder the burden for them and make it seemingly seamless behind the scenes (all doctor's offices don't do this).

(Hope my spelling was up to par)
ginahip1 on 2011-03-16:
You're very welcome "bluediamond98". I try to do everything I can to empathize with our patients. Through research and experience, I have learned the pros and cons of a variety of insurance companies. I too have to see a doctor from time to time, so I know how frustrating insurance companies can be on both sides of the fence.

Yes, your spelling was up to par. The only reason I mentioned correct spelling and grammar regarding the other commenters is because I cannot stand when people make ignorant comments, when they obviously didn't coprehend my post. On top of it, they can't even spell... There's even a "Check spelling" link above the comment box. Sheesh!
ginahip1 on 2011-03-16:
"COMPREHEND" :)
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AARP Hartford Insurance - Ripoff
Posted by on
Rating: 1/51
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.
     
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Don't be fooled.
Posted by on
Rating: 1/51
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.
     
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AARP is in bed with Rush Limbaugh by advertising on his show.
Posted by on
Rating: 3/51
TEMPE, ARIZONA -- AARP advertises with the filthy mouth Rush Limbaugh. This man is a drug addict who hates college students and calls them [snip] for using birth control. He is totally against Medicare and SS. He is really against the Affordable Health Care Act. He is the biggest racist, bigot on radio. Rush even hates animals and poor children. This jerk has been Married at least 4 times and does not have any children. His daddy was a big time judge somewhere down south. He did not protest the Vietnam war and did not have to go. No wonder he does not support Vets with jobs, health care, and the GI bill for education. He does not even have a degree, he never went to college. He has gone to far and needs to stop. I would like to unsubscribe to AARP until they stop supporting Rush.
     
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Val in Az. on 2013-07-30:
There is a BIG difference between using birth control and expecting the taxpayers to fund said use.
Debbie on 2013-07-30:
Why? I worked with special education kids and the state of MI voted not to use taxpayers money. We had to triple our staff and nobody wanted these beautiful children. Only their fake babies in strollers were important. So we now have million dollar babies. And now nobody cares about them now that they are older, because they are considered a burden.
clutzycook on 2013-07-30:
Val, the taxpayer isn't paying for that. The insurance companies are.
JoeKay on 2013-08-01:
The real irony here is that pudge is supposed to be such a conservative, yet the AARP was 100% behind the "affordable" care act and is a huge important blowhorn for the democrats. The AARP ads are the local radio station's thing. I bet he'd have a stroke if he knew they ran AARP ads during his show.
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Multiple billing
Posted by on
Rating: 1/51
US -- I received MANY forms from AARP requesting my dues, it seemed that these coming every few months. I sent in my dues last August, my card states that my membership is paid up through Dec. 2013, and yet I received an "offer" for a free insulated bag if I renew now. Many elderly peple do not keep these records, AARP should be protecting its members, not trying to extract additional unnecessary fees!
     
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Samantha on 2013-08-31:
AARP bills 6-8 months before your membership renewal is due. I have already complained to them but have received another renewal reminder. It states that they are "concerned" because I haven't renewed yet, but it is still 3 months before my membership expires. They are acting like I am late paying. The notice doesn't even show when my membership expires. I have contacted them and all that accomplished was that they sent less email reminders to renew. They have to spend more money asking for renewal than the membership actually costs. If you get a 3 year membership I wonder how early they want renewal. It makes me feel that AARP billing practices are not ethical. Does anyone know of any other organization that helps seniors? I would like to switch.
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Insurance
Posted by on
Rating: 1/51
So, I got a solicitation from AARP for life insurance. The cost is about 8x more than what I currently pay. The same is true with just about everything else they sell. I can only assume that they are preying on seniors that they supposedly "represent." I get that they are not for profit. But I can't help but think they are charging their members as much as they can to fund their agenda.

Bottom line, AARP does NOT represent me and never will.
     
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ok4now on 2013-01-08:
Excellent post. AARP has a very liberal agenda that benefits them, not its members. You are wise not to do business with them.
Alain on 2013-01-08:
It doesn't much bother me whether AARP's agenda is 'liberal' or 'conservative'. What does bother me is that, as you've pointed out, they will sell their name to anyone with a buck regardless of whether the company is giving AARP members a good deal or not. I'm not doing any business with them anymore, either. We get the same discounts with a AAA card so to us, it's not worth paying for a membership. At least with AAA we get a free tow if we need it.
leet60 on 2013-01-08:
Over the past decade AARP has become little more than a shill for insurance companies to sell product. Their "lobby" is essentially ineffective and as Alain said, the membership benefits offer no more than AAA. I refuse to do business with them.
Tom-in-NM on 2013-01-08:
I belong to AARP because it has some nice discounts but I think they should divorce themselves from the insurance industry. Let the insurance giants just advertise as any other advertiser without AARP endorsing it.
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Uselessness of AARP
Posted by on
Rating: 2/51
NEW YORK -- I do not consider AARP as an effective organization anymore. It is prominent only in promotion of insurance companies, some services and others. AARP activities are not described in media: newspapers, TV, radio, Internet. 'Occupy Wall Street', unions, civil rights organizations have real power, they organize rallies, demonstrations, strikes, everything that bring attention to their issues. Nobody knows about petitions that AARP makes its members send to senators and congressmen. People over 50 are huge part of American population. We have to go to streets and squares to be heard.

     
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leet60 on 2012-12-21:
AARP, for quite some time now, has been little more than a company that sells insurance. On occasion, you will see them initiane a PR campaign in the media alluding that they protect the rights of the seniors when the government wants to reduce benefits. Most often this will be when there is talk of reducing medicare benefits, which AARP indirectly profits from.
wjk898 on 2012-12-22:
AARP was a big force in favor of ObamaCare even though funding of that program takes 800 billion from medicare. That's right, seniors. This outfit is anti seniors and their plummeting membership is confirmation of that fact. They are a front for leftist redistributionists. This is not new by the way. Fairly common knowledge to most by now.
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No For The Faint Of Heart
Posted by on
Rating: 2/51
ROANOKE, VIRGINIA -- I, actually, have had this plan, over a couple years. Overall, it has saved me a lot of money, as I'm chronically ill. But e-warning!!!

Since implementation of the Health Care Reform, many things are covered, only, by act of congress (every pun intended). If you are not willing to fight for each odd claim, and know your stuff, you will have troubles. Possibly regardless of insurer as all GPO my medicare guidelines.
     
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leet60 on 2012-10-27:
I have seen this with my relatives that are on Medicare as well. It seems, that "health care reform", is harming individuals more than helping the masses. The only part of the plan that seems to be reform, was to force insurers to take on those with preexisting conditions and minimize their profits - their response is to raise rates, cover as little as possible and create a barrage of paperwork and red tape to the extent many individuals will simply give up on having a condition covered.
jktshff1 on 2012-10-28:
American Association for Ripping off People....
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