Thread: AARP For insurnace coverage??.

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I do not want this thread in any way shape or form to turn into a political topic.

What I am asking about is if anyone has health insurance threw AARP??. And,or what do you think of it??.

Man,it just seems these insurance companies think once you turn 65,you turn into a cash cow.They are coming out of the woodwork sending me offers from companies with names that sound good,but really none I know.

AARP is something I know little about,but atleast have heard of them.

Thanks guys.

i need to learn a few things in this thread as well .. AARP and my retirement people from a few jobs are constantly sending me notices that i need to sign up for this and that yet i`m just 56 and need to work ten more years .. i just ignore them ... am i wrong ..

There other choices and better ones.

Ignore AARP and all their trash mail. They are NOT an insurance company, they are taking a cut by hawking the stuff. I refuse to bring anything with AARP logo on it into the house...it gets shredded in the garage.

AMAC, for one.

AARP is really a racket - they portend to be a "friend of seniors" but they are really an ultra-left wing group. AARP is owned by United Healthcare. AARP sells Medicare supplemental insurance and as a “benefit” of membership, they have member travel discounts, pharmaceutical services, legal assistance, and long-term care insurance. They are however; more interested in politics than looking out for the senior citizens. Since 2007, AARP board members have given almost exclusively to Democrats, with more than 97 percent of donations going to Democrat candidates and left-leaning causes. None was given to Republican candidates during that time. Since Obama took office AARP has certainly been a friend of his. It supported his signature health care law despite gutting Medicare by $500 billion over ten years to help pay for Obamacare’s expansion of Medicaid and taxpayer-funded health care to millions of Americans currently on private insurance or uninsured.

It also did not say a word when for the past two years, Obama’s misguided payroll tax holiday cost the Social Security trust fund more than $230 billion.
Of course, it is not immune to supporting big government when it’s a Republican doing it. It was instrumental in 2003 in urging Congress to pass George W. Bush’s Medicare Part D — i.e. the prescription drugs benefit — that many consider one of the primary reasons the program is teetering towards bankruptcy now.

If you join, you’ll be inundated by tons of junk mail – all leaning left or looking for your checkbook. I’m with others here and shred their stuff unopened.

The 65th birthday is that milestone birth year where Medicare automatically kicks in, except for those who choose to decline Medicare coverage and self insure. I did not consider that a viable option, so it was important for me to make my decision on the provider for my Medicare Supplement, commonly called "Medi-Gap", so that it would be in place at the same time Medicare goes into effect (this is the coverage that pays what Medicare denies). Same for Medicare Part D (prescription drug plan) and there are some strategies for that based on what medications you take monthly. That key date is the 1st of the month before your 65th birthday, and there is a specific window of time, defined by law, where one can select the company and plan that they want and pre-existing conditions are not considered. If one waits and allows that window to close, then one must "apply" for the supplemental and Part D coverage, and the company considers all information, including pre-existing conditions, in their decision to accept or deny coverage and I believe in establishing their premium. Buy during the "window" before your birthday month and it's simple. Wait and it might be more painful.

I have a supplemental ins. plan..that with medicare. I have not once recieved a bill from my Dr. or a hospital for anything. I pay $1700.00 a year for the plan. I did not take part D as my meds cost less than the coverage,and once a year you can sign up for it should you choose

So they want(almost all the part d insurance companies)a additional $170 a month over what I pay now of 100 month to medicare for part a and B??. The thing I am looking at is dental and vision coverage.Mainly because my teeth are not in that good of condition and with diabetes in need to stay on top of checking my vision.I have Humana now for my prescriptions.

Originally Posted by 1gary

So they want(almost all the part d insurance companies)a additional $170 a month over what I pay now of 100 month to medicare for part a and B??. The thing I am looking at is dental and vision coverage.Mainly because my teeth are not in that good of condition and with diabetes in need to stay on top of checking my vision.I have Humana now for my prescriptions.

You seem to be confused. There is the Medicare Supplement Policy, which pays for health care costs that Medicare denies, like daily room charges above the Medicare limit, surgery costs that may exceed coverage, etc, etc, etc (this category is growing with ObamaCare, driving premiums up). Apart from that is Medicare Part D, which only deals with prescription drug costs. Those are two, entirely separate policies, each with it's own premium. Normally vision and dental are not a part of the Medicare Supplement Policy, and require special coverage (read this "additional premiums") for coverage that has a relatively high deductible (read this you don't get much for your extra premium). Dental insurance generally only pays for cleanings every 6 months, and vision coverage often does not include the cost of glasses, and the premiums are about the same as the cost of the service.

NO!!!! 'Nuf said.

Originally Posted by Rrumbler

NO!!!! 'Nuf said.

Relative to what?

You live in NY State. You, at 65 will sign up for Social Security which will include Medicare. It WILL NOT cover everything. You WILL need a supplemental insurance. Northeast Blue Shield Senior Blue for me is, this year, as well as next, $99/month with another $12 for the dental option. There are other similar plans in NY State. The AARP supplement for the best option for me was close to $400/month over and above Medicare. AARP uses United Health Care, rated crappy and accepted by fewer doctors then Blue Shield, MVP, CDPHP or whatever is in the Rochester area.

If it says AARP on whatever appears in the mailbox, it makes it to the recycle bin. I joined at age 55 - paid for 3 years only for hotel and rental car reservations. I'm well past 55 now, never paid another penny and still get their garbage lib magazine and supplement which are never read.

Originally Posted by rspears

You seem to be confused. There is the Medicare Supplement Policy, which pays for health care costs that Medicare denies, like daily room charges above the Medicare limit, surgery costs that may exceed coverage, etc, etc, etc (this category is growing with ObamaCare, driving premiums up). Apart from that is Medicare Part D, which only deals with prescription drug costs. Those are two, entirely separate policies, each with it's own premium. Normally vision and dental are not a part of the Medicare Supplement Policy, and require special coverage (read this "additional premiums") for coverage that has a relatively high deductible (read this you don't get much for your extra premium). Dental insurance generally only pays for cleanings every 6 months, and vision coverage often does not include the cost of glasses, and the premiums are about the same as the cost of the service.

Your right Roger,I was confused.Thanks.

Originally Posted by IC2

You live in NY State. You, at 65 will sign up for Social Security which will include Medicare. It WILL NOT cover everything. You WILL need a supplemental insurance. Northeast Blue Shield Senior Blue for me is, this year, as well as next, $99/month with another $12 for the dental option. There are other similar plans in NY State. The AARP supplement for the best option for me was close to $400/month over and above Medicare. AARP uses United Health Care, rated crappy and accepted by fewer doctors then Blue Shield, MVP, CDPHP or whatever is in the Rochester area.

If it says AARP on whatever appears in the mailbox, it makes it to the recycle bin. I joined at age 55 - paid for 3 years only for hotel and rental car reservations. I'm well past 55 now, never paid another penny and still get their garbage lib magazine and supplement which are never read.

OK Dave.I'll look into Northeast Blue Shield Senior Blue.I'm in the middle of having to prove my employment with GM Chevy Tonn,NY.First for pension benefits and then for health care coverage.I got to paid a fee to Social Security to do a search in their archives and then send a copy of that to GM's carrier.Well it shouldn't be a problem.Damm it I worked there.Not like the pension from BAX.Brinks owns them now and they send me a notice that I had a pension coming and how much.