Critics: AARP insurance stings seniors

Full story: Orlando Sentinel

Arthur Laupus joined AARP because he thought the nonprofit senior-citizen-advocacy group would make his retirement years easier.

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slipnot

United States

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#2
Dec 5, 2008
 
The AARP is a Republican PAC organization. I've never seen more misinformation coming from a group!
Harleigh Kiffer

Land O Lakes, FL

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#3
Dec 5, 2008
 
So what else is new. AARP has always been a ripoff and exploits the elderly. Just like Congress, lots of verbage but no action unless it is to sell you something.
rdw

United States

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#4
Dec 5, 2008
 
sorry its a democrat outfit and they are crooks
bms

United States

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#5
Dec 5, 2008
 
AARP is nothing but a lobby group for the DNC.
Pahela William

Lady Lake, FL

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#6
Dec 5, 2008
 
As an insurance agent, I can tell you that this is such a slanted article when discussing healthcare for seniors. There are so many factors that go into choosing the correct health plan. You cannot compare other states to Florida as Medicare insurance is state and county specific as with many other types of insurance. Other factors for deciding coverage are as divergent as the people who are purchasing the coverage. You cannot issue a "blanket support". Price is relative to the benefits covered. This argument does not even differentiate to the types of coverage when giving "advice". Take it from a state certified agent, you don't go to your mechanic to have a heart operation. A with respect to the media (earned or not) why would you listen to a journalist for choosing an insurance policy? Trust a professional insurance agent who deals with the myriad of factors involved in helping their client choose the right coverage for them. The author of this article needs a primer course in senior adult health care before giving advice. Money drives every business including the media. So this is "the pot calling the kettle " as my grandmother used to say. Media only exists because they "sell" advertising time for their particular information outlet to companies to pay their bills.

AARP's Medigap supplement policies are extremely competitive in the state, generally the lowest price and asks the least amount of medical questions so that a large percentage of the senior adult population CAN afford that type of coverage. Since Medigap supplements are standardized in all but 3 states, you can compare apples to apples and choose the lowest price. So the better advice is to find an insurance agent you can trust and use their expertise to find a suitable policy.
bruce

United States

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#7
Dec 5, 2008
 
Pahela William wrote:
As an insurance agent, I can tell you that this is such a slanted article when discussing healthcare for seniors. There are so many factors that go into choosing the correct health plan. You cannot compare other states to Florida as Medicare insurance is state and county specific as with many other types of insurance. Other factors for deciding coverage are as divergent as the people who are purchasing the coverage. You cannot issue a "blanket support". Price is relative to the benefits covered. This argument does not even differentiate to the types of coverage when giving "advice". Take it from a state certified agent, you don't go to your mechanic to have a heart operation. A with respect to the media (earned or not) why would you listen to a journalist for choosing an insurance policy? Trust a professional insurance agent who deals with the myriad of factors involved in helping their client choose the right coverage for them. The author of this article needs a primer course in senior adult health care before giving advice. Money drives every business including the media. So this is "the pot calling the kettle " as my grandmother used to say. Media only exists because they "sell" advertising time for their particular information outlet to companies to pay their bills.
AARP's Medigap supplement policies are extremely competitive in the state, generally the lowest price and asks the least amount of medical questions so that a large percentage of the senior adult population CAN afford that type of coverage. Since Medigap supplements are standardized in all but 3 states, you can compare apples to apples and choose the lowest price. So the better advice is to find an insurance agent you can trust and use their expertise to find a suitable policy.
No.

The coverage is fixed. You cannot justify charging over $1000 more a year to a couple making $1400 a month by saying that they don't have to answer as many questions and they get nice glossy pamphlets.

AARP is a dirty PAC that has its hands in the pockets of BOTH parties.
Maxfield

Orange City, FL

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#8
Dec 5, 2008
 
We belonged to AARP a few years ago and quit when it became apparent that AARP's leanings were very left of center. We have always felt they use the fees the make from insurance to lobby for their leftist socialist agenda. Some of the actors (Morgan Freeman to name one)featured intheir publications are known for their liberal agendas. The sooner they are exposed the better for all.
sam

Mesa, AZ

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#9
Dec 5, 2008
 
Seniors, when you going to understand that AARP is a big ripoff. All there programs are more expensive and over priced. This group also does NOT lobby for the interests of Seniors. Every senior or anyone over 55 who has joined and paid dues, should defect from the group. Auto Insurance and health insurance is much more. People think just because it the AARP they are cheaper. You really need to look at other insurances before using AARP.
Why Not Think

Winter Springs, FL

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#10
Dec 5, 2008
 
AARP also is a big backer of liberal Democrat Party causes and candidates, along with such contributors as Tyson Chicken, and the owners and operators of Boars Head delicatessen products just to mention a few popular brands.
Why Not Think

Winter Springs, FL

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#11
Dec 5, 2008
 
slipnot wrote:
The AARP is a Republican PAC organization. I've never seen more misinformation coming from a group!
You are misinformed. AARP is and has always been a liberal Democrat backer.
They have consistently backed their causes.
bruce

United States

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#12
Dec 5, 2008
 
Why Not Think wrote:
<quoted text>
You are misinformed. AARP is and has always been a liberal Democrat backer.
They have consistently backed their causes.
You are misinformed. Does the government not being able to negotiate drug prices ring a bell? Who lobbied hard for that, eh, benefit?
Truth is

Melbourne, FL

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#13
Dec 5, 2008
 
I joined AARP when I was eligible. I cancelled after I got their first magazine. Talk about a left-wing liberal rag!!!!
Pete Cooper

United States

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#14
Dec 5, 2008
 
I joined AARP in 1989, after a deluge of paper from them, just after my 55th birthday.... I enrolled in their "Road Service" program...
I quit all AARP services in 1990. after using that service once...I also discovered they were a "great left wing conspiracy" politically engaged in left wing activities that went way beyond the retired group interests... They may have started with good intentions but no more for me...

But they are like bad pennies, they still deluge me with their paper.... I just toss it.
gjv

United States

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#15
Dec 5, 2008
 
Unfortunatley this criticism of the AARP is justified. The property insurance company they endorse does not wright homeowner policies in Florida. I would think an organization that is an advocate for seniors would not deal with a company that excludes a state with so many of its members.
Still waiting

Hartford, CT

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#16
Dec 5, 2008
 
bruce wrote:
<quoted text>
No.
The coverage is fixed. You cannot justify charging over $1000 more a year to a couple making $1400 a month by saying that they don't have to answer as many questions and they get nice glossy pamphlets.
AARP is a dirty PAC that has its hands in the pockets of BOTH parties.
So there isn't one single difference between the AARP policies and any other medicare supplement policy?
Slim Ashley

High Springs, FL

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#17
Dec 5, 2008
 
If the Sentinel wanted to benefit it's readers there would be more investigateing of AARP. There is certainly more to report such as where does the revenue of $1.2 billion go.
bigbamboo

United States

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#18
Dec 5, 2008
 
slipnot wrote:
The AARP is a Republican PAC organization. I've never seen more misinformation coming from a group!
on top of there are also part of the republican outfit...i m an aarp card member..i should reconsider
Cinda

Mount Dora, FL

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#19
Dec 5, 2008
 
A lot of insurers use Afinity Group or Association marketing to get to consumers. There has to be money in it to the Association to make that happen. AARP should disclose up front all fees association with purchasing insurance through them in bigger print...people will still buy anyway.

Hartford is not the cheapest for auto insurance, as the agent said, there are a lot factors that go into rating a policy and chosing a plan, so it does pay to shop around.

And I will tell you that any company that says that their product is a better "value" usually means that they are not the cheapest game in town.

The latest tactic in insurance is to put your best price forward and go backwards, take away discounts they know that the customer won't qualify for, all the while you are talking the customer into buying a product that is not priced competitively. I am seeing this tactic used by many insurers now and unfortunately older or less savvy people can be taken advantage of. Most insurance works the same and is highly regulated so don't let an agent fool you into believing their product is completely better than someone elses...do your homework, look at unadvertised plans as well as heavily advertised plans and compare.

I agree with the agent, find someone you can trust to review whatever insurance you are buying and make sure that it fits your budget. Ask them hard questions and make them answer them, do not fall prey to the pitch on "value".
Ceramic

Bonita Springs, FL

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#20
Dec 5, 2008
 
Don't forget to add that Hartford Ins Co is well known for Denying and/or Cutting Claims.
Galaxy

United States

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#21
Dec 5, 2008
 
This is exactly why I opted out of AARP, they are preying on the elderly of this country. It is a finagle!! I have priced multiple items from AARP and every one in research was more expensive! Somebody has to pay the high salaries for these jamolks!
What a great bunch of people. NOT! To send us fliers about health care! yea right!

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