United Health Care a total ripoff.*
NEW YORK -- Essentially, United Health Care is a fraud, starting with the bogus name they use on your membership card, "AARP Medicare Complete." They're not Medicare at all!! They are just "affiliated" with them so they can legally use their name, just as they do with AARP. It's all about marketing, NOT giving you great service. Their sales representative promised me that I would be able to use all my own physicians, which was a [bold face] LIE. You can only use those on their private list, and that's for only simple, cheap "health" procedures. When I went to use them to cover a recent minor surgery, I was shocked to learn from my doctor that I had been turned down!! Why? Because when I had asked all of my current doctors if they would accept Medicare, they all agreed. One catch... none of them accepted United Health Care!!! Get it? they have nothing at all to do with "real" Medicare, only the right to use their name!!!
Here's how United Health Care rips you off.* One month before you turn 65, they FLOOD you with their advertising materials, all of which look "official." Then there fast talking phone reps make you believe that you're getting a "good deal." You THINK that you're being covered by Medicare, but you AREN'T. The additional fact that they also use the "AARP" logo in their ads gives you even more reason to believe that they're a "good deal," when the only thing they're good for are basic, cheap office visits. Should you need even minor surgery like I did, if you doc isn't on their extremely limited list, your shit out of luck. The fact of the matter is, the phone representative totally lied to me when I asked him if I could use my own doctor. You can't. Thankfully, however, in two more months I'll be able to cancel my membership with this clip joint and sign-up with the only one I should have in the first place... original Medicare.