• Report: #341459

Complaint Review: AARP United Healthcare MedicareComplete

  • Submitted: Wed, June 18, 2008
  • Updated: Thu, July 12, 2012

  • Reported By:Rockwall Texas
AARP United Healthcare MedicareComplete
PO Box 29800 Hot Springs, Arkansas U.S.A.

AARP United Healthcare Medicare Complete False Representation of Providers, Coverage; Congressional Investigation Required to Get Service in Texas Dallas

*Consumer Comment: My Experience with AARP Medicare Complete

*Consumer Comment: AARP Active in Medicare Fraud

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I purchased the AARP United Healthcare MedicareComplete, a Medicare Advantage Plan. When purchased, many medical providers and hospitals were represented to me to participate in my town. When I tried to find care for a broken foot, I couldn't find anyone! Even the names in the AARP/MedicareComplete Directory denied that they ever participated! There is only one phone number provided for contact for the entire USA, and the information they provide from that call center is limited and misleading. I tried to exercise my right to withdraw from the plan, was denied, and after 90 days of no response from the plan I had to contact my Congressman to become involved (even after two written complaints to Medicare!). Following a Congressional Investigation, I finally received response from AARP United Healthcare MedicareComplete...and now they are arguing coverage for services rendered for my broken foot. This is a BAD PLAN!! Furthermore, I spoke with area hospitals and providers and asked why they did not participate with this plan...they said it pays very slowly, and although AARP/MedicareComplete receives money from both Medicare and subscribers (like me), they pay less than Original Medicare...when they pay at all! I would like to know the following: how much money did Medicare give United Healthcare in addition to my premiums? How many plans did AARP/United Healthcare sell vs the number of REAL participating providers it has (including hospitals) in each area of USA coverage? Last but not least, I've also found out that, as an AARP/United Healthcare MedicareComplete patient, I pay higher costs at most healthcare facilities than I would if I would be an Original Medicare patient or had a different health plan! This is an expensive, no-good plan. They do not respond to their subscribers or their providers. They ripped-off our Medicare program by taking money and then not honoring their commitment to serving their subscribers. The CEO was found criminally negligent and had to pay over $400 million in criminal fines in 2007, meanwhile increased his personal worth to over $1 BILLION dollars...guess we know where our Medicare fund has gone........BTW, which government officials allowed such a criminal to enter the Medicare gates, and how much did these officials appropriate (pay) this entity to participate with Medicare...I would like names of the government officials and the amount of money they gave this organization!

Pkstinn
Rockwall, Texas
U.S.A.

This report was posted on Ripoff Report on 06/18/2008 07:22 AM and is a permanent record located here: http://www.ripoffreport.com/r/AARP-United-Healthcare-MedicareComplete/Hot-Springs-Arkansas-71903/AARP-United-Healthcare-Medicare-Complete-False-Representation-of-Providers-Coverage-Cong-341459. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

My Experience with AARP Medicare Complete

AUTHOR: SilverBee - (United States of America)

During the late 2011 enrollment period, I explored the possibility of reducing the premiums I was paying for AARP United Health Supplement Insurance of about $130/month, plus a Part D premium of about $47/month, which were becoming difficult for me to handle. the Advantage plan (Medicare Complete) seemed like a magical solution with a zero premium. I thought I could manage a few $25 doctor visits without going over those amounts.

Well, it turned out there were numerous unexpectedly high copays for any lab work done by an outside agency--$96 for bloodwork, for instance. Within little over a month I had more than $400  to pay, which I'm now paying off a little at a time.

I had been told that I had twelve months during which I would be permitted to return to my previous coverage. I have to say that I had no problem with either disenrolling from the Medicare Complete or re-enrolling with the AARP Supplemental, and I've ended up paying about $25 less per month than my previous supplemental premium. Also, I enrolled in the Medicare Part D prescription coverage while talking to a Medicare representative over the phone, and I now have zero copay on generic medications for a premium of only $23 something a month taken directly out of my Social Security. No more big copays.

As it turns out, I'm better off than I was before--and I learned a big lesson. I'm really sorry to hear of the problems others have been having. And, just for the record, I think the improvement in my situation is directly related to what is receiving so much political bad-mouthing: President Obama's healthcare legislation.
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#2 Consumer Comment

AARP Active in Medicare Fraud

AUTHOR: Solange - (U.S.A.)

My response is not a rebuttal per se but an additional example of the pernicious medical insurance fraud where the perpetrator is the insurance company itself and its subscribers are the victims.


Last year I was foolish enough to enroll in a Blue Cross Blue Shield Partners advantage plan. I live in NC and my county of residence enforces a monopoly on Medicare recipients. All I can subscribe to is this BCBSP company, the emphasis being on the BS part of the acronym. This is not even the real BCBS but a local subcontractor. I wonder how much kick-back the county has received in this deal.



Anyway, I am in fairly good health so I had few medical expenses but I suffer from glaucoma and this condition requires a yearly check up or I might lose my eyesight. This is a medical condition, not just vision care and Medicare did contribute toward the expense. The BCBSP denied my claim. I tried to communicate in vain on the telephone, so I filed for arbitration. This was denied too and I was appalled to find out that BCBSP was also its own arbitrator! This is a sick joke and an insult to anyones intelligence.



I called Medicare and demanded to be reinstated immediately although I was in the middle of the year. After the Medicare CR heard a summary of what was happening, this was granted and I was released from BCBSP. I have the slight advantage to have been a senior paralegal and I know my basic rights and how to fight for them, if necessary, but not every senior can do that and it is immoral for any level of government to become co-conspirator to the basest medical fraud: the one that insurance companies perpetrate on their trusting subscribers.



The greatest shame goes to AARP for endorsing such a scheme, but I am not surprised. I stopped being a member of AARP some years ago when, after trying to contact it, I realized that most of the staff at AARP belongs to the 25-35 age group and they are in the business of making money, not taking care of old people. That acronym is only a cash-cow banner to their lucrative and political trade. And yes AARP, now you know how many of us feel about you.




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