aarp supplement plans

We have just Medicare and AARP just got my bill for last stint ( # 6 ) bill was $11100.00 they picked up whole tab..........have no problems , so far, have been on it since 62, I an now 80.................

NCWriter wrote:
Supplemental plans never include prescription drug coverage. You must buy Plan D from any company you choose, separately.

I agree that Plan F is the best with any supplemental coverage, whichever company you use.

I do have a Plan "D" also.

What companies do you folks use? We are fulltimers based out of indiana .

I have ppl.United health with pasport option, I was looking for a physical therapist for my knee replacement done in fl, Having trouble with it. United said there was no one in area. I started calling around and found one that takes United as in network.I even asked them to be sure. People at United did not show this facility.makes you wonder .have to cook into plan F.

thestoloffs wrote:
The bottom line is that AARP doesn't offer the insurance themselves; they're simply selling their brand name to insurance companies, who are offering their existing coverage....

Exactly correct! Basically, the AARP is able to negotiate a group rate with insurance companies and pass the savings on to members. The same happens with other large organizations, including entities like state group insurance plans: As larger groups, they can negotiate a decent group rate with an insurance company and pass through the savings to members.

Currently, for example, I am covered with a plan through a State of Texas retirement system. That plan is identical in coverage through the same national insurance company that AARP is set up with. (I'm not sure about the exact costs because, well, things vary with covered spouse, extra dental, and so forth. But it looks like they are pretty close to the same.) Two larger groups, both negotiated with the same large insurance company, same coverage, savings passed through in similar ways.

Of course, you should look at similarly large groups that you belong to in order to find out if they've negotiated reduced group rates with similar coverage, passing through the group-rate savings to you.


:)
Lynn

The bottom line is that AARP doesn't offer the insurance themselves; they're simply selling their brand name to insurance companies, who are offering their existing coverage.

If you're doing a lot of traveling, you have 2 major choices: A PPO option that allows you more flexibility with out-of-network providers, or go Standard Medicare and select the "Medigap" plan you prefer, with a Part D plan to cover your prescriptions.

If you go the latter route, you can go to ANY provider that accepts Standard Medicare. That's almost everyone!

I will say again only this READ THE FINE PRINT... Some of them will zing you.

Supplemental plans never include prescription drug coverage. You must buy Plan D from any company you choose, separately.

I agree that Plan F is the best with any supplemental coverage, whichever company you use.

I have a supplement Plan "F" and I have never had an issue with a doctor while not in my home area. I am hosting right now out of state and am seeing several doctors about a carpal tunnel problem. No one even hesitates to work with me on this problem and I have zero copay so when my appointment is over they just smile at me and say "see you on your next appointment".

You get what you pay for even in medicare supplements.

You Part D plan is not the same as you plan to cover expenses associated with doctor visits or hospitalization.

(Note, btw, that some of the more durable supplies, including diabetic supplies, are covered more by Medicare directly, not through your pre-retirement med or drug plan. Check the formulary that your Part D plan provided to you.)

Lynn

wa8yxm wrote:
I work with a young lady who used to be involved in the insurance rackewt, and yes, it is a racket.. You need to look at those AARP plans very very closely, Be sure to read the fine print.

Many folks got plans and found out they did not cover Prescriptions at all.