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Not to be taken for a complete idiot, I recently found this information out while trying to help a member of my family, and it is worth checking into for each and everyone on Medicare. Has any one looked into the AARP Medicare Complete Plus (HMO-POS) which seems to have been a fast advertised hard sell. Well, you think okay it will be beneficial.
Then it hits you because you are told the following. If you don't have Part D Prescription Drugs at the time you were elligible for social security and Medicare when you enroll in this Medicare Complete Plus, you may be in for a surprise. If you did not have prescription drug coverage during this time period that met Medicare's minimum standards, you will owe a late fee at the time of enrollment into MedicarComplete Plus which is a penalty on your monthly premiums. If you did have prescription drug coverage during the time specified, you may be able to avoid the penalty. You will have to pay a penalty starting from the day you were elligible for Medicare and did not have the prescription drug Part D. From what I heard, the premium would be normally $3 a month, but penalties make it more for example $22 a month, or more, until the penalty is satisfied.
If you decide you don't want the package because you get disgusted and want to pick it up at a later time, you are warned that the penalty keeps on acruing, and it will be more if you decide to delay on Part D and this coverage. More surprising is that no one tells you this. If you are lucky, you find out this information by becoming very annoyed and stating you are cancelling it because of penalties and statements that there can be other charges that they will not pay for.
It is a tough decision, especially at this time when people are living solely on their benefit checks. They give you an increase in ss to conform with the consumer index and take away somewhere else.
They seem to sell this package saying that there is no monthly premium, but not the case. They entice you with vision and dental benefits that have not been given in the past. They hit you with it later.
After you enroll they send you a letter that if you don't contact AARP Medicare Complete Plus, they will assume the information is correct and you will owe a late enrollment penalty. Who knew this?
Also, you must have Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) to be a member of AARP Medicare Complete Plus (HMO-POS). If you don't have Medicare Parts A and B, they will bill you for any health care you receive from them, and neither Medicare nor AARP Medicare Complete Plus will pay for those services. Also, they tell you if you have end stage renal disease (ESRD), you may not be able to be a member of AARP Medicare Complete Plus, and they may have to send you a bill for any health care you've received.
That information I took from a letter sent fromAARP MedicareComplete. So, I guess people are getting gipped again. Who thought of this scam I would like to know. It kills me because if a parent doesn't need medication and never took it, it seems you had to buy into the Part D all along. They don't tell you this.
Can anyone benefit from this program?
UPDATE - 5 months ago
Not to be taken for a complete idiot, I recently found this information out while trying to help a member of my family, and it is worth checking into for each and everyone on Medicare. Has any one looked into the AARP Medicare Complete Plus (HMO-POS) which seems to have been a fast advertised hard sell. Well, you think okay it will be beneficial.
Then it hits you because you are told the following. If you don't have Part D Prescription Drugs at the time you were elligible for social security and Medicare when you enroll in this Medicare Complete Plus, you may be in for a surprise. If you did not have prescription drug coverage during this time period that met Medicare's minimum standards, you will owe a late fee at the time of enrollment into MedicarComplete Plus which is a penalty on your monthly premiums. If you did have prescription drug coverage during the time specified, you may be able to avoid the penalty. You will have to pay a penalty starting from the day you were elligible for Medicare and did not have the prescription drug Part D. From what I heard, the premium would be normally $3 a month, but penalties make it more for example $22 a month, or more, until the penalty is satisfied.
If you decide you don't want the package because you get disgusted and want to pick it up at a later time, you are warned that the penalty keeps on acruing, and it will be more if you decide to delay on Part D and this coverage. More surprising is that no one tells you this. If you are lucky, you find out this information by becoming very annoyed and stating you are cancelling it because of penalties and statements that there can be other charges that they will not pay for.
It is a tough decision, especially at this time when people are living solely on their benefit checks. They give you an increase in ss to conform with the consumer index and take away somewhere else.
They seem to sell this package saying that there is no monthly premium, but not the case. They entice you with vision and dental benefits that have not been given in the past. They hit you with it later.
After you enroll they send you a letter that if you don't contact AARP Medicare Complete Plus, they will assume the information is correct and you will owe a late enrollment penalty. Who knew this?
Also, you must have Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) to be a member of AARP Medicare Complete Plus (HMO-POS). If you don't have Medicare Parts A and B, they will bill you for any health care you receive from them, and neither Medicare nor AARP Medicare Complete Plus will pay for those services. Also, they tell you if you have end stage renal disease (ESRD), you may not be able to be a member of AARP Medicare Complete Plus, and they may have to send you a bill for any health care you've received.
That information I took from a letter sent fromAARP MedicareComplete. So, I guess people are getting gyped again. Who thought of this scam I would like to know. It kills me because if a parent doesn't need medication and never took it, it seems you had to buy into the Part D all along. They don't tell you this.
Can anyone benefit from this program?