Wellness

[LilacTree]

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@hckynut wrote:

V 

@Fressa

I just cancelled all policies we had with AARP, and the corporations that they promote. Been with these companies for many years and each year prices go up.

While I understand why certain coverages go up, me driving with never putting in a claim/never having a moving violation, and my vehicle getting older? Prices should be going down for all the reasons above, and a few more.

Now insured with a different big corporation for 60% less. Life insurance is not with either of these companies, and if they were promoted by AARP, they too would have been changed. AARP magazine turned so political, I requested they take me off that list. They said they did, but they did not. In the mailbox/straight into the trash.

hckynut(john)

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@hckynut

I agree John.  I have never liked that organization and, like you, have been receiving tons of information from them since I turned 55 (24 years ago).  I have never responded, but they keep on coming in.  Also, like you . . . straight into the trash.

I have no secondary for Medicare.  My co-pays wind up less than these companies' premiums.  I do a study every year, and I have never paid more than I would have with a secondary.  ~Ford

[febe1]

I receive solicitions from both AARP and AAA for life insurance. I do not have any because as a Senior, I have no one dependent on me. My assets will pay for my final expenses.

I do not belong to AARP and think they've long ago forsaken Seniors and are now just money makers helping themselves and political. AARP never gives up on anyone and will continue soliciting until you're dead and maybe after.

[chlema]

@LilacTree You have been lucky then if you are not or have been in need of a secondary insurance.  I don't know where we'd be if we didn't have UHC secondary thru AARP.  Yes, it is over $200 a month for each of us but in dh case with all his surgeries in the past 15 years, starting with a six-bypass and on and on if it wasn't for the supplemental we would be in the poor house by now.  

[LilacTree]

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@chlema wrote:

@LilacTree You have been lucky then if you are not or have been in need of a secondary insurance.  I don't know where we'd be if we didn't have UHC secondary thru AARP.  Yes, it is over $200 a month for each of us but in dh case with all his surgeries in the past 15 years, starting with a six-bypass and on and on if it wasn't for the supplemental we would be in the poor house by now.  

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@chlema

I don't take the pain meds . . . that is the main reason I can handle my co-pays.  If I took all the meds that have been recommended to me, believe me, I would be broke.

Besides the autoimmune issues I have are chronic.  Unless I suffer another compressed vertebrae in my back, there is really nothing anyone can do for me.  I have learned to live with it all.  I don't go to doctors very much anymore.

I have had at least ten CT scans, four or five MRIs, countless x-rays (broken shoulder, broken ribs, head injury, disfigured hands, etc.).  So far I have been fortunate not to have any organ failures (that I know of).  Thankfully, Medicare alone covers almost all of those tests.

It's because of my history that the secondary insurances would be so much more expensive for me than just paying the co-pays. 

I'm happy for you that it works out better for you though.

[maestra]

@hckynut

You expressed my feelings about AARP precisely. I do the same w/the magazine and am not a memeber.

I should be looking to change my life insurance to another carrier.

[CelticCrafter]

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@maestra wrote:

You expressed my feelings about AARP precisely. I do the same w/the magazine and am not a memeber.

I should be looking to change my life insurance to another carrier.

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OMG, the biggest pains in the butt with the amount of junk they send out each month that goes straight into the recycling bin.

[journeygirl]

I have several friends, family and neighbors that have AARP for their medicare supplement and life insurance and love it. Luckily where I live we have non-partisan groups that help seniors and they recommend AARP. Unfortunetely for as long as I can remember all of our different car, life and house insurance policies increase every year. Unless you locked in a whole life policy, as we age life insurance premiums go up every year on term. Once you have a policy it's usually best to keep it if needed rather than to switch to a new company as your premiums will be higher. Suze Orman or Dave Ramsey make some good recommendations as well.

[KathyPet]

Seriously???  WHen my husband died we were both collecting SS.  I opted to continue to receive his benefit which was the higher but of course lost mine.  HE left me a 6 figure life insurance policy and I am so grateful.  There is no way I could continue to stay in our home for very long without that money.