It always takes time for companies to remove you from a mailing list.
Secure Horizons has the following subsidiaries:
- Oxford
- Pacificare
- John Deere
- Sierra
- And most plans have the AARP name on them (a name only, AARP has nothing to do with the actual plan)
Medco and United are in cohorts together? Considering UHC owns Medco, I would assume so. Stop being a little baby.
Stop being a baby, you owe them money and are not sticking to your legal obligation to pay by the due day and they will happily stop calling the moment you pay your bills. Take responsibility for your own lack of responsibility.
FDCPA? This only applies to third party collections, NOT inhouse collections, so they're allowed to violate it. Also, don't get behind and you'll have no problem. It only YOUR fault that your bill wasn't paid on time, take RESPONSIBILITY for your own errors.
I am a Medicare sales agent at the nations largest health insurer. If the doctor was willing to see the patient, then he is required by law to bill the PFFS plan and to accept Medicare assignment. Any provider who sees a PFFS enrollee is 'deemed' to have accepted the plans terms and conditions; and thus, the enrollee is responsible for nothing other than their copay/coinsurance.
For some people, Medicare Advantage is the best option by far; whereas, some people should really stay away from these plans. For the majority of people who enroll, they are left in a far better situation.
However, like everything else, there are unethical agents, and if you have a concern about specific agents, those should be directed to the State's department of insurance.
She is entitled to disenroll? You can only disenroll from a plan from 11/15 - 12/31 unless you move out of the service area (maybe the county or even the state depending on the plan), have Medicare AND Medicaid, had a Medigap policy within last year, or one of a couple other rarely used SEP's. In your case it sounds like you don't qualify to disenroll.
Long-term care is not a Medicare covered benefit, you would need Long-Term Care insurance for that.
This isn't AARP, it's UnitedHealth Group. Zyrtec is an over-the-counter drug as off 2008, you should buy it that way because it's a lot cheaper. You agree to a contract when you sign up for part-d, and it's your responsibility to stay to it. If you don't like the benefits, you can change to another provider from 11/15 - 12/31 every year.
You should call the Customer Service and ask for a copy of the Evidence of Benefits (EOB) for each of these claims. It will explain what the billed amount was, what the insurance company paid, and what you're responsible for.
