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Author Topic: Can anyone shed some light on AARP?  (Read 4159 times)

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Offline Jeffreyj

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Can anyone shed some light on AARP?
« on: October 27, 2008, 10:57:04 PM »
I just turned 50, and I'm getting bombarded with AARP Insurance...

I have a major insurance now. Can I get extra coverage with AARP, or is it only worth having single coverage. If anyone has and knowledge it would be greatly appreciated.
Thanks.
Jeff
Positive since 1985

Offline Gary85741

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Re: Can anyone shed some light on AARP?
« Reply #1 on: October 28, 2008, 09:31:33 AM »

Unless it's a supplemental policy, it would do nothing to enhance your present carrier's coverage.  Better get used to being bombarded by AARP...LOL.  They've been bombarding me since I turned fifty...seven years ago.  Medical and life insurance, AARP membership requests, etc.  It's gotten to the point I write 'return to sender' on all their stuff and return it to them (they have to pay postage) but they just keep on coming...grrr!

Gary
Poz since '89. 
Current regimen: Rescriptor, Emtriva, Kaletra, Invirase, Acyclovir, Lisinopril, Lipitor, Prilosec, Valium, Testim, Nandrolone, Loperamidr, Marinol.

Offline woodshere

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Re: Can anyone shed some light on AARP?
« Reply #2 on: October 28, 2008, 11:04:25 AM »
Honey, I am not even 45 and have started getting info about joing AARP when I turn 50.  Like they say, if the US military were as good at finding Bin Laden as the AARP are at finding 50yr olds, he would have been captured years ago.
"Let us give pubicity to HV/AIDS and not hide it..." "One of the things destroying people with AIDS is the stigma we attach to it."   Nelson Mandela

Offline pozniceguy

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Re: Can anyone shed some light on AARP?
« Reply #3 on: October 28, 2008, 11:33:06 AM »
Jeffery, the AARP plans generally apply to be used as " the primary insurance coverage"  but they offer plans that cover certain aspects which many typical private plans do not...Is there anything that your basic plan does not cover?? are the premiums or co-pays  more than you are comfortable with?  does your plan cover meds?   all meds or just certain ones??    many plans specifically exclude the most expensive meds....  what kind of service do you get?  does the plan limit which doctors you may use??

The above are the sort of questions many private insurers do not highlight in their recruiting ads so you have to dig in a little..

I have researched many plans including AARP  in case my Military coverage should someday be compromised by an ungrateful Congress.......AARP plans seem to be in the top 3 or so for price and service.......

do not "talk" to any of the salespeople....send written questions and insist on written answers..

Nick
remember the good times...honor the past but don't live there
Le stelle la notte sono grandie luminose, nel cuore profondo del Texas

Offline jkinatl2

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Re: Can anyone shed some light on AARP?
« Reply #4 on: October 28, 2008, 11:55:16 AM »
You'd thing that the AARP, which carries the words "retired persons" in their name, would also apply to those who retire due to disability. It does, at least in GA, not.

"Many people, especially in the gay community, turn to oral sex as a safer alternative in the age of AIDS. And with HIV rates rising, people need to remember that oral sex is safer sex. It's a reasonable alternative."

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Offline Miss Philicia

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Re: Can anyone shed some light on AARP?
« Reply #5 on: October 28, 2008, 12:18:19 PM »
You'd thing that the AARP, which carries the words "retired persons" in their name, would also apply to those who retire due to disability. It does, at least in GA, not.



I agree.  I only have Medicare A & B, and no supplementary insurance as I don't think I could afford it, and the cost of the premium/co-pays.  I'm fine for regular HIV visits, lab costs, and meds (all pretty much 100% covered) but I'm rather screwed when I need to see a specialist.

In NYC the "gay mafia" of doctors would take pity on the AIDS afflicted and accept Medicare payment "on assignment" (meaning they wouldn't charge me the 20% that Medicare won't pay).  But here in Pennsylvania they are not willing to do this.

What people here pay for supplementary insurance and how much does this cost you?  I really need to sort this out long term.  My ASO person seemed to indicate that with my income it was more cost effective to just pay as I need to, but I question this assessment.  I feel like I have no clue about this issue.

(sorry if this is a hijack... if so I can start another thread of my own but it's kind of on topic)
"Iíve slept with enough men to know that Iím not gay"

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #6 on: October 28, 2008, 12:52:52 PM »
I agree.  I only have Medicare A & B, and no supplementary insurance as I don't think I could afford it, and the cost of the premium/co-pays.


Philiy267........how come you don't have Medicare Part D, and also, does your State Medicaid pay for your medicare premiums Part A B & D, if not you're losing about 1,200 to 1,300 a yr. the part D is called extra help by the way  ;D.....thats if you qauify for any of this, you have to be at least 150% to 200% below the federal poverty line before you can get any of this help ,form your States Medicaid office.....if your income is way above the 200% poverty line, than that would explain why you have to pay your medicare premiums...that SUCKS ???  (I'm not on medicaid per-say, They just pay my part A, B & D premiums) as, I make way too much for the actual medicaid...........
no wonder why you can't afford anything ( having to pay your medicare premiums and co-pays)  ??? if this is the case, I feel for you  ???

(sorry if this is a hijack... if so I can start another thread of my own but it's kind of on topic)
« Last Edit: October 28, 2008, 01:33:24 PM by denb45 »
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Jeffreyj

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Re: Can anyone shed some light on AARP?
« Reply #7 on: October 28, 2008, 05:30:49 PM »
Poznice guy, it occurred to me while reading your post that things are pretty good for me right now, so I might as well remain with who I have.


As far as MED a, b, c, g,h, and z....good luck with all of that.
Positive since 1985

Offline Miss Philicia

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Re: Can anyone shed some light on AARP?
« Reply #8 on: October 28, 2008, 06:32:21 PM »

Philiy267........how come you don't have Medicare Part D, and also, does your State Medicaid pay for your medicare premiums Part A B & D, if not you're losing about 1,200 to 1,300 a yr. the part D is called extra help by the way  ;D.....thats if you qauify for any of this, you have to be at least 150% to 200% below the federal poverty line before you can get any of this help ,form your States Medicaid office.....if your income is way above the 200% poverty line, than that would explain why you have to pay your medicare premiums...that SUCKS ???  (I'm not on medicaid per-say, They just pay my part A, B & D premiums) as, I make way too much for the actual medicaid...........
no wonder why you can't afford anything ( having to pay your medicare premiums and co-pays)  ??? if this is the case, I feel for you  ???

(sorry if this is a hijack... if so I can start another thread of my own but it's kind of on topic)

Sorry for my lack of clarity -- of course I have Part D for my medications.  I don't qualify for Medicaid as my SSDI income is too high, one of the benefits of having lived in NYC and earning a lot of money on the books, which caused my disability payments to be greater than most people (though unlike some I never had any private disability insurance, so my SSDI is all I get).  Still, it's not THAT high, and after rent, utilities, transportation and food very little remains and keep in mind I live in a city, though it's one of the cheaper large cities.

In Pennsylvania the ADAP program pays my Part D premiums, and also picks up any costs that Part D doesn't pay at the pharmacy (for the most part... there are the occasional meds that aren't on the state formulary list and I must pay for those out of pocket - but currently that only runs me ~$30/mo).  The premiums for  B are deducted from my SSDI check monthly -- I make $500 over the 200% poverty cut off, so if I didn't make that much excess I'd not have to shell out $1,122 yearly for my Part B premium.

I go to an HIV clinic for my "normal" care, and they take what Medicare pays them and they never charge me for any other uncovered costs.  If I went to a private practice I'd be responsible for that 20% that Medicare does not cover -- unless, of course, I had supplementary insurance like many LTS'ers in my local support group do, but they pay premiums of something like $100/mo plus also must pay co-payments for the office visit.  Most of them have told me that since my health is very good right now, that it would be a waste of money for me to get this supplemental insurance, so when I go to a specialist I just have to pay what Medicare does not cover -- a recent check up with a proctologist ran me ~$45, but my concern is that if this doctor had to do any actual out patient surgical work I'd be a bit screwed.

I just am very wary of whether I'm making the right decision, and wondered what others do -- but  some of you are on

But anyway denb45, what do you do when you go to, say -- the eye doctor?  Medicare only pays 80% of the visit, correct?  How do you pay the remainder?  Same with any other doctor.
"Iíve slept with enough men to know that Iím not gay"

Offline Jeffreyj

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Re: Can anyone shed some light on AARP?
« Reply #9 on: October 28, 2008, 07:45:40 PM »
Philly260,
About the 20% not covered....This is where AARP could(???) pay that ....What do you think pozniceguy?

This would be if I had AARP as second insurance plan :)
Positive since 1985

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #10 on: October 28, 2008, 07:52:00 PM »

But anyway denb45, what do you do when you go to, say -- the eye doctor?  Medicare only pays 80% of the visit, correct?  How do you pay the remainder?  Same with any other doctor.

I go to a HIV Clinic owned by the County Hospital, it's called UMNH= University Of New Mexico, I'm lucky, it has everything I need, like out-patients care, surgery, and specialist, eye clinic, and they take the 80% of medicare as full payment, if medicare won't then, Ryan White pays the other 20% + Dental, I no longer have ADAP as I have Part D Medicare, so, the "Extra Help" ( pays for the so called "donut hole")

         But my HIV+ Meds cost so much ( about $50,000 a yr.) so, I'm always in Stage 4, so, that's why I almost never have any Co-pays for meds, and since I go to the County Hospital and they use my Medicare & Ryan White, I have no Copays for any Doctors Visits as well, so, I never see a Bill for the 20% of what Medicare won't cover, but I also make $500 (less than you do on SSDI) so that puts me WAY UNDER the 150% to 200% Federal poverty Line, so, I don't get any Food Stamps, of reg Medicaid, they just pay the monthly medicare Premiums , that way I get to keep 1,200 a yr.

  I also get HUD Sec 8 too due to my Low Income, but, I live with my otherhalf, so, I'm his caregiver, so, I'm allowed to live with him on HUD Sec 8, and that Sec 8 has nothing to do with my Income, only his ( my otherhalf is on SSDI too) and is 200% below the line, so, he get's almost the same things I do, but he's not POZ and does not have AIDS like I do, he's just disabled and needs live-in assistance (witch he gets form me) that's right, He's a lot sicker than I'm, and takes a lot more Meds than I do ( he has a Bad Back, and has had 5 back surgeries, so he cannot lift anything, and cannot drive (he has a lotta mobility problems that will only get worse over time............ he will more than likely be in a Wheelchair soon...

   Bob also had a Massive Heart Attack that resulted in him having Triple-bypass-open-heart surgery in 2002 and lived to tell about it........so, Yeah he needs my help and support, and Muscle  ;D I'm also a very good cook too (I cook for a Heart patient, so, his diet is very different)
I suppose he could throw me out,  ???  and Hire someone, but, he cannot afford to pay them, and he can't get Medicaid to do it, cuz like me, all they pay for is his medicare premiums.........so, it's a Win Win Situation for the both of us, not a very sexy sight, but, it works for me  ;D we have been together for well over 15 yrs. were both the same age, and born in the same month, so, we have a lot in common
but it's kinda hard to be around each other 24/7, that gets a little tough sometimes ???
« Last Edit: October 28, 2008, 08:07:43 PM by denb45 »
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Oceanbeach

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Re: Can anyone shed some light on AARP?
« Reply #11 on: October 28, 2008, 07:55:06 PM »
I turned 57 this year and AARP does not have my address.   ;D  Have the best day
Michael

Offline J.R.E.

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Re: Can anyone shed some light on AARP?
« Reply #12 on: October 28, 2008, 08:03:54 PM »
Jeffrey,

I belong to AARP, But I don't have any of their insurance, or supplemental insurance. Can't help you there. I do pay the minimal amount yearly to belong.  ( I think it's 12 or 14 dollars.)

But as Gary said, Be prepared to start receiving info in the mail. I get quite a lot of mail from AARP. We both do.


Ray
Current Meds ; Viramune, Epzicom, 40mg of simvastatin, 12.5mg of Hydrochlorothiazide.
Metoprolol tartrate 25mg



http://forums.poz.com/index.php?topic=40802.0

http://forums.poz.com/index.php?topic=45159.0

http://forums.poz.com/index.php?topic=39722.msg495621;topicseen#msg495621

http://forums.poz.com/index.php?topic=46806.0

http://forums.poz.com/index.php?topic=39414.msg491701#msg491701


 In October of 2003, My t-cell count was 16, Viral load was over 500,000, Percentage at that time was 5%. I started my first  HAART regimen  on October 24th,03.

 As of 8/2514,  t-cells are at 402, Viral load <40

 Current % is at 11%

  
 62 years young.

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #13 on: October 28, 2008, 10:06:31 PM »
Jeffrey,

I belong to AARP, But I don't have any of their insurance, or supplemental insurance. Can't help you there. I do pay the minimal amount yearly to belong.  ( I think it's 12 or 14 dollars.)

But as Gary said, Be prepared to start receiving info in the mail. I get quite a lot of mail from AARP. We both do.


Ray

I do see anywhere that AARP can help me, ( I've looked over all of the programs they offer) and almost NONE of them really apply to me,  :( so, AARP is pretty much useless as far as were ( Bob & I) are concerned  ???  .....we don't need any auto, life or health insurance, or supplemental insurance....if your paying them 12 to 14 dollars a yr. I don't know why, it's suppose to be FREE if your 50 and over..........
« Last Edit: October 28, 2008, 10:15:18 PM by denb45 »
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline weasel

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Re: Can anyone shed some light on AARP?
« Reply #14 on: October 29, 2008, 12:05:58 AM »
AARP MAY do some sort of good ?

I do NOT know what this would be , I joined  4 years ago . Team spirit I quess .

 AARP  is responsible for HALF OF THE CRAP  in my mail box !

 If  AARP used this money more wisely they could possibly do more !

  At one time they were PUSHING  " Universal Health Care "  at me .

  Universal is the Company that  RAISED  my premiums up to $1,400 a month !

 I had paid about  like $275.00 for 6 years !

 BUT when I got diagnosed with AIDS  , Universal Health Care CAME AFTER ME BIG TIME .

 THEY HOUNDED ME ! WANTED TO KNOW HOW  I HID MY DOCTORS VISITS FROM THEM !

 THIS INSURANCE COMPANY WAS  BONKERS ! Finally I could NOT afford to pay them

 any more  money  and it lasped !


            Thank GOD I contacted the V.A. and  the V.A  took over !

  That's all I know about them ,but I do send in my yearly check  :P

                                                                                 karl
" Live and let Live "

Offline Oceanbeach

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Re: Can anyone shed some light on AARP?
« Reply #15 on: October 29, 2008, 12:37:06 AM »
AARP MAY do some sort of good ?

 AARP  is responsible for HALF OF THE CRAP  in my mail box !

                                                                                  karl

Hey Karl,

One of my good friends ordered a "trial membership" for his ex on the 50th B Day, I bet he is still getting mail.

When I had an ex, I found out his new love interest worked in the state tourism bureau.  I sent wedding invitations to every person in that office saying the name of the groom would be a surprise to all staff, disclosed at the wedding.

The moral of the story... Never date me or any of my close friends  ;D  Have the best day
Michael
(who apologizes for going off topic)

Offline MitchMiller

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Re: Can anyone shed some light on AARP?
« Reply #16 on: November 02, 2008, 01:51:33 AM »
I've read the AARP info packets.  The insurance is underwritten by existing insurance companies, not AARP.  The form explicitly ask you if you have HIV (as well as a number of other chronic conditions).  It specifically states you m may be denied coverage if you have any of them (but not necessarily so).
At any rate, I doubt you would have any better chance getting supplemental insurance through AARP than you would on your own.
A friend that was on HIV + and on dialysis was rejected for AARP supplemental insurance.

Offline Gary85741

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Re: Can anyone shed some light on AARP?
« Reply #17 on: November 02, 2008, 08:12:27 AM »

Oh and another thing I don't like about AARP (the primary thing being the bombardment of junk mail therefrom) is that I read a year or two ago that they were part of an effort to increase Federal (and maybe individual states') tax on cigarettes.  I smoke though am attempting to quit again...but either way...I don't know why they would want to increase taxes for some people (retired/disabled) they claim to be helping...grrr.  They should keep their nose out of people's personal choices.

Gary
Poz since '89. 
Current regimen: Rescriptor, Emtriva, Kaletra, Invirase, Acyclovir, Lisinopril, Lipitor, Prilosec, Valium, Testim, Nandrolone, Loperamidr, Marinol.

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #18 on: November 02, 2008, 09:09:32 AM »
 :)
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #19 on: November 02, 2008, 09:10:22 AM »

I dont see anywhere that AARP can help me, ( I've looked over all of the programs they offer) and almost NONE of them really apply to me,  :( so, AARP is pretty much useless as far as were ( Bob & I) are concerned  ???  .....we don't need any auto, life or health insurance, or supplemental insurance....if your paying them 12 to 14 dollars a yr. I don't know why, it's suppose to be FREE if your 50 and over..........
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Miss Philicia

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Re: Can anyone shed some light on AARP?
« Reply #20 on: November 02, 2008, 09:39:24 AM »

Oh and another thing I don't like about AARP (the primary thing being the bombardment of junk mail therefrom) is that I read a year or two ago that they were part of an effort to increase Federal (and maybe individual states') tax on cigarettes.  I smoke though am attempting to quit again...but either way...I don't know why they would want to increase taxes for some people (retired/disabled) they claim to be helping...grrr.  They should keep their nose out of people's personal choices.

Gary


How dare an organization centered around health do anything to lessen lung cancer and its unnecessary financial burden on the medical system.
"Iíve slept with enough men to know that Iím not gay"

Offline Andy Velez

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Re: Can anyone shed some light on AARP?
« Reply #21 on: November 02, 2008, 10:42:25 AM »
As far as AARP is concerned, they pretty much permanently damaged their credibility with me when the Bush (mal)adminstration was pushing through their change on prescription coverage. AARP acknowledged that it was a bad plan at the time and at the same time they came out in support of it because they believed by passing that, Bush would do some other positive things they wanted. HUH?

That "reasoning" for doing something is never good in my experience, and of course he didn't do what he'd promised them he would. The prescription mandate is really bad news we're saddled with until it gets changed by Congress. Just ask anyone who has to deal with it and the "donut hole" of limited coverage when you reach X amount.

I've tried several times to be unsubscribed to their countless e mails and yet they continue to pour in. Ugh.

So I would suggest approaching anything they offer with extreme caution. Yes, I would.

Cheers. 
Andy Velez

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #22 on: November 02, 2008, 11:06:26 AM »
As far as AARP is concerned, they pretty much permanently damaged their credibility with me when the Bush (mal)adminstration was pushing through their change on prescription coverage. AARP acknowledged that it was a bad plan at the time and at the same time they came out in support of it because they believed by passing that, Bush would do some other positive things they wanted. HUH?

That "reasoning" for doing something is never good in my experience, and of course he didn't do what he'd promised them he would. The prescription mandate is really bad news we're saddled with until it gets changed by Congress. Just ask anyone who has to deal with it and the "donut hole" of limited coverage when you reach X amount.

I've tried several times to be unsubscribed to their countless e mails and yet they continue to pour in. Ugh.

So I would suggest approaching anything they offer with extreme caution. Yes, I would.

Cheers. 

Yeah........I agree with you on that, my Humana Ins. Monthly Premiums are going up ( for the 1st time EVER), I never had to pay a annual monthly premium before, and this gos into effect JAN 09, even if you have "extra Help" even the co-pays of Meds are going up as well (if it keeps going up) next yr. I'll have to shop around for something else, as I'm not eligible for ADAP anymore due to being forced on to Medicare Part D 2 1/2 yrs ago ??? we can all thank the Bush adminstration was pushing through their change on prescription drug coverage, THIS only benefits Big Pharma & the Ins. Companies, as this DOES NOTHING for all the rest of us  ??? AGAIN we all get thrown-under-a-Bus  ???  when will this END
« Last Edit: November 02, 2008, 11:29:26 AM by denb45 »
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Ann

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Re: Can anyone shed some light on AARP?
« Reply #23 on: November 02, 2008, 12:35:31 PM »
I'm so glad I live in the UK. I can't understand people who live in the States and are against something like the NHS. Don't forget I've had dealings with both.

Health care is the number one reason why I'd never, ever, move back to the country of my birth.

I feel for you guys stuck in such a punitive system. I really do.

Ann
Condoms are a girl's best friend

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"...health will finally be seen not as a blessing to be wished for, but as a human right to be fought for." Kofi Annan

Nymphomaniac: a woman as obsessed with sex as an average man. Mignon McLaughlin

HIV is certainly character-building. It's made me see all of the shallow things we cling to, like ego and vanity. Of course, I'd rather have a few more T-cells and a little less character. Randy Shilts

Offline Miss Philicia

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Re: Can anyone shed some light on AARP?
« Reply #24 on: November 02, 2008, 02:22:11 PM »
So speaks the woman who has to take airplanes to the doctor.
"Iíve slept with enough men to know that Iím not gay"

Offline Ann

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Re: Can anyone shed some light on AARP?
« Reply #25 on: November 02, 2008, 02:28:26 PM »
So speaks the woman who has to take airplanes to the doctor.

And doesn't pay one pence for it either. :)
Condoms are a girl's best friend

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"...health will finally be seen not as a blessing to be wished for, but as a human right to be fought for." Kofi Annan

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Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #26 on: November 02, 2008, 02:44:04 PM »
And doesn't pay one pence for it either. :)

Here's the part that really BURNS MY ASS.......most all of the Part D Ins Companies already get paid by the Federal Govt. thur "extra Help" , so, why do they also need this montlhy premium form us as well
talk about Double-Deeping-GREED! this hurts all of us, when Ins. companies do this  I just cannot understand WHY they need to get paid twice  ??? but, I guees that's the American Way  :-\
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Miss Philicia

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Re: Can anyone shed some light on AARP?
« Reply #27 on: November 02, 2008, 04:40:50 PM »
My Medicare Part D premium is paid with Ryan White funds.
"Iíve slept with enough men to know that Iím not gay"

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #28 on: November 02, 2008, 04:59:30 PM »
My Medicare Part D premium is paid with Ryan White funds.

Yeah, and you make 500 dollars more a month on SSDI than I do, and cuz of what you make on SSDI, thats why you don't get your Medicare premium paid for, like I do, nor do you have extra help ( all States are different in what Medicaid will pay for) so, as far as my State Medicaid go's, they Only pay the extra help & the Medicare Premiums Part A, B, D (and nothing more) ,and I was just approved for 2009, also, I do have Ryan White, this was approved in AUG 2008, so, maybe, I haven't heard the end of this yet, but, I'm sure gonna find out tho  ??? my local ASO isn't much help, cuz according to them, I make way to much for them to do anything for me.........other than Ryan White Dental
« Last Edit: November 02, 2008, 05:24:45 PM by denb45 »
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Miss Philicia

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Re: Can anyone shed some light on AARP?
« Reply #29 on: November 02, 2008, 05:48:10 PM »
Yeah, every state is different but I know that when Medicare Part D first began I was not given the correct information from a case manager and I paid, unnecessarily, the cost of my own premium that first year and other people did not.

Last year our state ADAP entity contracted out to a 3rd party to coordinate enrollments to Part D, which of course begin Nov. 15th.  They basically selected my coverage, did all of the paperwork, and also processed whatever was needed so that the premium was paid monthly by my state.  I just got a new letter a few weeks ago about what I guess will be the same process this year.

I guess my advice would be that if the ASO says you have to pay to find some other person to verify that's the correct information for others in your same financial situation in your state.  This is one reason I like going to a local support group, because I can at least get some idea if I've been given the correct information as I can't tell you how many incompetent case managers I've encountered both here in Pennsylvania and when I lived in NYC.  In fact, I've been burned so often by them that when I have to deal with a case manager I actually get nervous, as opposed to going to the doctor and getting lab results I never get nervous -- ever.
"Iíve slept with enough men to know that Iím not gay"

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #30 on: November 02, 2008, 06:13:37 PM »
Yeah, every state is different but I know that when Medicare Part D first began I was not given the correct information from a case manager and I paid, unnecessarily, the cost of my own premium that first year and other people did not.

Last year our state ADAP entity contracted out to a 3rd party to coordinate enrollments to Part D, which of course begin Nov. 15th.  They basically selected my coverage, did all of the paperwork, and also processed whatever was needed so that the premium was paid monthly by my state.  I just got a new letter a few weeks ago about what I guess will be the same process this year.

I guess my advice would be that if the ASO says you have to pay to find some other person to verify that's the correct information for others in your same financial situation in your state.  This is one reason I like going to a local support group, because I can at least get some idea if I've been given the correct information as I can't tell you how many incompetent case managers I've encountered both here in Pennsylvania and when I lived in NYC.  In fact, I've been burned so often by them that when I have to deal with a case manager I actually get nervous, as opposed to going to the doctor and getting lab results I never get nervous -- ever.

Yes, I agree with with you on that, Case Managers are a dime a dozen, some are good ( and care about the job) while others are just there for a pay check and to ONLY help there friends, and who ever kisses their ass good enough  ???
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline BT65

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Re: Can anyone shed some light on AARP?
« Reply #31 on: November 02, 2008, 09:15:45 PM »
When Medicare Part D was put into law, I was automatically enrolled in some AARP plan.  I have what's called "catastrophic coverage" (or some such).  I pay co-pays on the meds (I pay nothing for the Part D plan) until they reach a certain amount (which, I believe it $4000something), then I pay nothing.  Of course, with the meds I'm on, it only takes about 2 & 1/2 months to get to that amount.  And usually the ASO here pays the co-pays for me the months I have them. 
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #32 on: November 02, 2008, 10:08:59 PM »
When Medicare Part D was put into law, I was automatically enrolled in some AARP plan.  I have what's called "catastrophic coverage" (or some such).  I pay co-pays on the meds (I pay nothing for the Part D plan) until they reach a certain amount (which, I believe it $4000something), then I pay nothing.  Of course, with the meds I'm on, it only takes about 2 & 1/2 months to get to that amount.  And usually the ASO here pays the co-pays for me the months I have them. 


Same here, but, my ASO doesn't pay for anything, and I don't have AARP, but, my meds cost so much, that I will go into STAGE 4 of the Part D plan after 1 month, then for the rest of the yr. I have no Co-pays at all, and my meds cost about $45,500 a yr. so, I'm assuming that Humana isn't making the money the want off of PWA's like me, so, they want me to now pay a monthly premium, even tho, I have extra help, (paid by my state medicaid), they still want more money outta me  ??? something about this, just seems kinda fishy to me  ??? YES, I smell a rat, a Big one  ???
« Last Edit: November 02, 2008, 11:57:38 PM by denb45 »
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Andy Velez

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Re: Can anyone shed some light on AARP?
« Reply #33 on: November 03, 2008, 06:19:08 PM »
What we need and hopefully will get sometime during the coming hoped-for Obama administration is to get rid of insurance companies in healthcare. Healthcare is a right and should not be involved in being handled through a strictly for-profit industry. 

If we can get total healthcare for every person living in the US, the government will actually SAVE money. Better coverage means healthier, more productive America and less burden on the healthcare system. Doctors can provide healthcare instead of having staffs burdened with insurance company paperwork and rejections of claims. we've got almost 50 million uninsured people in America right now and millions more underinsured. McCain is of course totally out-to-lunch on this issue. And even Obama needs to be brought up to speed. But during the campaign wasn't the moment because if he had come out for universal healthcare it would have been attacked as leftist/big government.

OK. I'm picking and packing up my rant box for tonight. But we must not settle for anything less than full coverage including preventive, mental and dental care. Let's go all the way on this one.

Get my drift?

Andy Velez

Offline denb45

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Re: Can anyone shed some light on AARP?
« Reply #34 on: November 03, 2008, 07:53:16 PM »
What we need and hopefully will get sometime during the coming hoped-for Obama administration is to get rid of insurance companies in healthcare. Healthcare is a right and should not be involved in being handled through a strictly for-profit industry. 

If we can get total healthcare for every person living in the US, the government will actually SAVE money. Better coverage means healthier, more productive America and less burden on the healthcare system. Doctors can provide healthcare instead of having staffs burdened with insurance company paperwork and rejections of claims. we've got almost 50 million uninsured people in America right now and millions more underinsured. McCain is of course totally out-to-lunch on this issue. And even Obama needs to be brought up to speed. But during the campaign wasn't the moment because if he had come out for universal healthcare it would have been attacked as leftist/big government.

OK. I'm picking and packing up my rant box for tonight. But we must not settle for anything less than full coverage including preventive, mental and dental care. Let's go all the way on this one.

Get my drift?



The so called strictly for-profit industry is what the problems is, if you don't have any type of Ins. then you end up without ANYTHING AT ALL, or whatever you can get, this is the reason why 50 Million don't have Health Ins. and the one thing the G.W.BUSH Admin. did was push this thur, and also made it into law, that the Fed Govt. (medicare) cannot negotiate with any drug companies to adjust the price of Meds, that was a BONE-HEADED thing to do, just to satisfy all of the special interest health care lobbisyst
this hurt a lot of us as well as medicare, it also gave big Pharma the green light to charge what-ever they wanted to any time they felt fit, this was a very BAD MOVE and affects a lot of us today, even tho this happened well over 2 yrs ago  ???
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Offline Jeffreyj

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Re: Can anyone shed some light on AARP?
« Reply #35 on: November 04, 2008, 03:30:28 PM »
OK- This is weird....

I got a robo-call,and a mailer(of course) and they want me to come to a town hall meeting next week!

Aggressive S.O.B.'s

From what you all are saying, I think I'm going to pass on them! Does anyone have a good thing to say about them? LoL
Positive since 1985

Offline rondrond

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Re: Can anyone shed some light on AARP?
« Reply #36 on: November 04, 2008, 11:06:13 PM »
Their online newsletter has some good games to occupy your spare time.
"I may not be exactly where I want to be, but I sure as Hell am not where I was"
Wynnona Judd

Diagnosed/HIV
1993
AZT
Norvir
1994-2001
Crixivan/Epivir/Zerit
No Meds for 7 Years

04jul07/DVT-right leg/Bi Lateral PE's     
16oct08/DVT-left leg
Sept '09  6 blood clots in left arm
Coumadin 5mgs
                                     
Atenolol/50mg/2x
Hydrochlorth 25mg/1x
Gemfibrozil/300mgs/2X
Symbicort
Proventil Inhaler
Potassium
Rhinocort


*APR 08~Viramune/Truvada
March08  CD4 330 23% VL 452.000 
*Jan09 Med change~Epzicom/Viramune

Aug09   CD4 523 23%  VL<48
Diagnosed: COPD
Dec 2013: CD4 645 45% VL 49
Med Change: Viramune/Epivir/Ziagen/Isentress

 


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