AARP/UHC Medigap policy (medical, plan, Humana, supplement)

[slb7]

I have an AARP/UHC medigap plan in Wisconsin. In their Certificate of Insurance they state that the certificate is issued under a "Group Policy". It then later states "If the Group Policy ends, your coverage will stop. In that case you will be offered other Medicare supplement coverage from another carrier or an individual plan issued by us."

What exactly does this mean...AARP is considered a group? If UHC drops their association with AARP do they then offer a policy like Humana, BCBS, etc? Just a little confused by the terminology.

[Ariadne22]

Originally Posted by slb7

I have an AARP/UHC medigap plan in Wisconsin. In their Certificate of Insurance they state that the certificate is issued under a "Group Policy". It then later states "If the Group Policy ends, your coverage will stop. In that case you will be offered other Medicare supplement coverage from another carrier or an individual plan issued by us."

What exactly does this mean...AARP is considered a group?

In order to receive discounted rates from UHC, you must be an AARP member. Therefore, AARP is considered a group. Premiums for the policies within the AARP UHC WI group in your service area are community-rated based on the medical experiences of all members in that service area group.

Originally Posted by slb7

If UHC drops their association with AARP do they then offer a policy like Humana, BCBS, etc? Just a little confused by the terminology.

UHC will not "offer" policies from another insurer. However, under Medicare rule #6,

https://www.medicare.gov/find-a-plan...otections.aspx

if UHC discontinues coverage, you have a guaranteed issue right to purchase, without health underwriting, another Medigap - "Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company."

[slb7]

As always, thank you....what I meant by "like Humana, BCBS,etc." was will UHC offer an individual type policy like other insurance companies have? Which would probably mean higher rates.

How does it work for guaranteed issue in Wis. since we don't have Medigap plans A,B,C,F,K,or L? I have Wis. Basic with Part A deductible, Part B excess, Foreign travel, and Home Health Care, so would I be able to get the equivalent or have to step up to one that's equal to a plan F?

[Ariadne22]

Originally Posted by slb7

As always, thank you....what I meant by "like Humana, BCBS,etc." was will UHC offer an individual type policy like other insurance companies have? Which would probably mean higher rates.

How does it work for guaranteed issue in Wis. since we don't have Medigap plans A,B,C,F,K,or L? I have Wis. Basic with Part A deductible, Part B excess, Foreign travel, and Home Health Care, so would I be able to get the equivalent or have to step up to one that's equal to a plan F?

If you have Basic - which also pays the Part B deductible - plus riders, you already have a Plan F. Therefore, you would be moving to the same plan. If you, otoh, have Basic w/Co-Payments, then you have a Plan N plus add'l riders and would need to move to the full Plan F with another carrier. No other carrier in WI offers community-rated plans, so if you are older than age 77 when you lose UHC coverage, you probably would be paying more. In my opinion, the likelihood of UHC withdrawing from its affiliation with AARP is remote.

[slb7]

Thanks, that clears it up...I have the Basic w/Co-pay so as I thought, I'd have to move up to a plan equal to plan F.
I hope it never happens but if they would leave AARP, with F going away in 2020, plan G will be included in guaranteed issue.