While AARP Health is a collection of health-related products it does not provide Medigap Insurance or anything else. You don’t have AARP Medigap, you have United Healthcare, which you can easily buy on your own. AARP Medicare Complete (United Healthcare) claims to follow all medicare guidlines, yet they do not follow medicare guidlines, they do not recognize modifiers that Medicare requires on their billing codes, they do not cover the services Medicare covers and no one in their customer service department nor claims processing department even reads appeals when they are mailed in.
AARP gets kickbacks from the companies it directs you to. AARP makes enormous profits in directing their consumers toward the companies under their unbrella. That is its sole purpose.
Their membership fees are not due until Dec, however AARP’s 1st invoice arrived in March. As in past billing cycles, they mail this “fake” invoice stating “reply by May 31, 2011” every 2 to 3 months (just changing the reply by date each time). This seems unethical…preying on their members.
Regarding auto insurance, their first year rates at Hartford are reasonable, but the renewal rates keeps increase by with no claims or accidents. Their home insurances charges you 10% if you try to leave.
New York Life insurance company, endorsed by AARP is currently running a TV ad that is obviously designed to scare the elderly into buying their life insurance. They are suggesting that if you have outstanding debts such as medical bills, credit card balances and funeral expenses they may fall to relatives to be paid. This is tactic is despicable. No relative is responsible for any medical expenses or credit card balances beyond the ability of the deceased estate to pay.
The credit card they promote (Chase VISA) charges 24% for a cash advance rate PLUS a 3% fee. Such a deal.
AARP is only an advertising front – and a poor one at that. It’s a manipulative organization that lures people in with their low membership fee, a membership card for discounts, a monthly magazine filled with their ads. This seems great at first, then you realize someone must be paying for this. The advertising in their magazine are sponsored by AARP. What does AARP offer? Just over priced, no value insurance plans.
Once they have your name, they will mail you stuff forever on life insurance, car insurance, medicare insurance and offers to join AARP long after you’re a member. Even after many requests to be removed from their list….its goes on. and on.