[Living a Fantasy]

For many years the AARP has endorsed and marketed various United Healthcare plans with disclosures similar to the one in question here in The Villages. I am pasting such a disclosure from AARP as follows:
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**AARP® Hospital Indemnity Insurance Plans insured by United Health Care:

For definitions, disclosures, eligibility requirements, exclusions, pre-existing conditions and limitations: NY residents click here, all others click here.

AARP endorses the AARP Hospital Indemnity Insurance Plans, insured by UnitedHealthcare Insurance Company. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.

AARP does not employ or endorse agents, brokers or producers.
Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY 11749, for New York residents) Policy Form Number GRP 79171 GPS-1 (G-36000-2).

AARP Hospital Indemnity Insurance Plans provide supplemental health insurance benefits and are not Medicare supplement or major medical plans. All plans may not be available in your state/area.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.

Call a licensed insurance agent/producer at 800-523-5800 to receive complete information including benefits, costs, eligibility requirements, exclusions and limitations.
WB25464ST (07/13)

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AARP's disclosure summary for various United Healthcare plans is accessible from the link below:

Insurance Disclosures
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I see our developer's negotiating with United Healthcare as a benefit to us. Our developer is replacing AARP as the recipient of royalties for intellectual property. As such, our version of the United Healthcare Advantage Village Plan gives us more time with the physicians since it caps the number of patients per physician at 1,250 (where the industry standard is 2,500 - 3,000).

Mostly we benefit with network referrals. At our age and stage in life, specialty physicians are often required. Although not heavily publicized, we may go to any specialist in the State of Florida within the United Healthcare network without a primary care physician's approval. This latter point is HUGE! It means when we need the best of care from a specialist, we don't have to wait for back office clerks to go through the maze of digital paperwork to see a uroligist, cardiologist, etc. Specialist appointment delays are minimized.

The United Healthcare HMO Advantage Plan also has a lightly publicized feature called PASSPORT. We may go elsewhere in the country to United Healthcare network providers; but there is a procedure that needs to be followed usually handled with one phone call.

I am not a Pro-Developer advocate; but I really think they got this one right in structuring a WIN-WIN-WIN for all parties -- residents, doctors, United Health Care, and the Morse Family Empire.

[NYGUY]

Originally Posted by dbussone

Hospital "charges" have not reflected the cost of doing business since TEFRA changed Medicare in the mid-80s. Accounting methodologies were changed more than a decade ago to reflect the fact that patient revenue noted on the books of hospitals was a specious number. Net patient revenue correctly reflects actual reimbursement after contractual allowances (insurance discounts, Medicare and Medicaid discounts, etc) have been deducted. Some of you might be interested in looking up a hospital cost report or tax return (form 990) just for the fun of it.

Thanks for adding some meat to the bones!!

[dbussone]

Originally Posted by CFrance

I would if you'd help me read it!

I could do that!

[sunnyatlast]

Originally Posted by Living a Fantasy

For many years the AARP has endorsed and marketed various United Healthcare plans with disclosures similar to the one in question here in The Villages. I am pasting such a disclosure from AARP as follows:

AARP's disclosure summary for various United Healthcare plans is accessible from the link below:

Insurance Disclosures
====================
I see our developer's negotiating with United Healthcare as a benefit to us. Our developer is replacing AARP as the recipient of royalties for intellectual property. As such, our version of the United Healthcare Advantage Village Plan gives us more time with the physicians since it caps the number of patients per physician at 1,250 (where the industry standard is 2,500 - 3,000).

Mostly we benefit with network referrals. At our age and stage in life, specialty physicians are often required. Although not heavily publicized, we may go to any specialist in the State of Florida within the United Healthcare network without a primary care physician's approval. This latter point is HUGE! It means when we need the best of care from a specialist, we don't have to wait for back office clerks to go through the maze of digital paperwork to see a uroligist, cardiologist, etc. Specialist appointment delays are minimized.

The United Healthcare HMO Advantage Plan also has a lightly publicized feature called PASSPORT. We may go elsewhere in the country to United Healthcare network providers; but there is a procedure that needs to be followed usually handled with one phone call.

I am not a Pro-Developer advocate; but I really think they got this one right in structuring a WIN-WIN-WIN for all parties -- residents, doctors, United Health Care, and the Morse Family Empire.

Thank You!