No senior can afford to be without Medicare supplemental insurance or a 
Medicare Advantage plan. I think I pay about $100 a month for United Healthcare 
Plan F and everything is covered. My knee replacement didn’t cost me a nickel. 
Marlene’s chemo bills came to more than a million dollars. Medicare payed for 
about $800,000 of that. United Healthcare covered the rest under the plan F 
Supplemental. Medicare Advantage plans work well also. But a lot of health care 
professionals recommend supplemental plan F. You don’t have to buy it from the 
AARP affiliated United Healthcare. Every insurance company’s plan F is the 
same, but AARP makes it easy and provides a lot of guidance. They also work 
hard for senior benefits in a variety of ways. It’s hard to fault them.

> On Dec 29, 2017, at 8:34 AM, ann sanfedele <[email protected]> wrote:
> 
> I can't afford Cadillacs :-)
> ann
> 
> On 12/29/2017 5:33 AM, Paul Stenquist wrote:
>> Nothing wrong with the AARP insurance. It’s United Healthcare, and their 
>> Plan F is the Cadillac of Medicare Supplemental insurance.
>> 
>> Paul
>> 
>>> On Dec 28, 2017, at 11:26 PM, ann sanfedele <[email protected]> wrote:
>>> 
>>> I wouldn't for a minute go for the insurance.. I toss all references to 
>>> such..
>>> the mag has some interesting articles and sometimes nice long lists of 
>>> different categories of things
>>> that I find useful -  The only other subscription I have is the Berkeley 
>>> Wellness Letter (which I just re upped for after not doing it for a few 
>>> years)  AARP doesnt have my email address, happily .. they probably don't 
>>> even know I have a computer.
>>> 
>>> ann
>>> 
>>>> On 12/28/2017 9:59 PM, John wrote:
>>>> My primary medical provider is the VA. I go to the local clinic or to one 
>>>> of the specialty clinics at the hospital. It's not supposed to cost me 
>>>> anything. That was the agreement when I enlisted in 1975 and those 
>>>> benefits were confirmed when I got my 20 year letter in 1995. I stayed in 
>>>> a dozen more years beyond that, retiring in 2007.
>>>> 
>>>> I don't understand how Medicare works with the VA. My Medicare Part B is 
>>>> Tri-Care for Life, but they don't give me any kind of card showing I'm 
>>>> covered.
>>>> 
>>>> I get bills from the VA on a regular basis. They show someone paying them. 
>>>> If the bill is for more than Medicare pays they eventually deduct it from 
>>>> my Social Security or from my Retired Pay.
>>>> 
>>>> They're not supposed to. I earned VA care for life, but they apparently 
>>>> changed the rules while I was in Iraq in 2004 and are applying them to me 
>>>> retroactively.
>>>> 
>>>> So, I don't need insurance coverage from AARP. Shredding their letters 
>>>> isn't that much extra work. I was just wondering if there were enough 
>>>> other benefits to be worth the dues.
>>>> 
>>>> 
>>>>> On 12/28/2017 16:55, ann sanfedele wrote:
>>>>> I like the magazine and the occasional newsletter as well.. I have found
>>>>> useful information in those pages..
>>>>> 
>>>>> There may be times when having the card to show would be useful but
>>>>> I suppose that depends on where you live.
>>>>> 
>>>>> ann
>>>>> 
>>>>>> On 12/28/2017 2:22 PM, John wrote:
>>>>>> Is there any advantage to joining AARP if you don't need their insurance?
>>>>>> 
>>>>> 
>>>> 
>>> 
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