What am I Missing?
Posted 09-04-2019 at 05:46 AM by jdhpa
Quote:
Rethink the Aetna. It is probably attained-aged rated, which means age-based price increases until age 85. AARP UHC is community-rated. Slightly more expensive in the beginning, premiums discounted for those under age 77, no age-based increases after age 77.
Most here choose AARP UHC because of the community rating. Whether one is 77 or 97, the base-rate is the same. Only increases are due to inflation and/or regional medical costs.
https://www.medicare.gov/find-a-plan...-policies.aspx
We have had endless discussions on the pricing issue if you search through the Medicare threads. My sister started out with a very low Aetna premium. In matter of four years, it had increased from $148 to $235, almost $90/mo.
AARP UHC for her age four years later would have been the same, with no risk of outlandish premiums after age 77. Attained-age policies can easily cost well over $400/mo if you are in your 80's.
Medicare on pricing, here:
https://www.medicare.gov/find-a-plan...-policies.aspx
Other threads you should read:
https://www.city-data.com/forum/healt...-decision.html
https://www.city-data.com/forum/healt...upplement.html
Most here choose AARP UHC because of the community rating. Whether one is 77 or 97, the base-rate is the same. Only increases are due to inflation and/or regional medical costs.
https://www.medicare.gov/find-a-plan...-policies.aspx
We have had endless discussions on the pricing issue if you search through the Medicare threads. My sister started out with a very low Aetna premium. In matter of four years, it had increased from $148 to $235, almost $90/mo.
AARP UHC for her age four years later would have been the same, with no risk of outlandish premiums after age 77. Attained-age policies can easily cost well over $400/mo if you are in your 80's.
Medicare on pricing, here:
https://www.medicare.gov/find-a-plan...-policies.aspx
Other threads you should read:
https://www.city-data.com/forum/healt...-decision.html
https://www.city-data.com/forum/healt...upplement.html
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