AARP Health Insurance Plans 2022: What You Need to Know

As we approach 2022, many seniors are starting to think about their health insurance options. If you’re a member of AARP, you may be wondering what health insurance plans are available to you. In this article, we’ll take a deep dive into AARP health insurance plans for 2022.

What is AARP Health Insurance?

AARP (American Association of Retired Persons) is a nonprofit organization that provides resources and services to people over the age of 50. One of the services they offer is health insurance. AARP partners with UnitedHealthcare to offer Medicare Advantage plans, Medicare Supplement Insurance plans, and prescription drug coverage.

If you’re eligible for Medicare, you can enroll in an AARP Medicare Advantage plan or an AARP Medicare Supplement Insurance plan. Both of these options are designed to help you cover the costs of healthcare that Medicare doesn’t cover.

AARP Medicare Advantage Plans

AARP Medicare Advantage plans are all-in-one plans that combine Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) coverage. Many Medicare Advantage plans also include prescription drug coverage (Part D). The advantage of enrolling in a Medicare Advantage plan is that you can usually get additional benefits that aren’t covered by Original Medicare, such as vision, hearing, and dental coverage.

One thing to keep in mind is that Medicare Advantage plans are offered by private insurance companies, so the specifics of what each plan covers can vary. It’s important to review the plan details carefully to make sure it meets your needs.

What AARP Medicare Advantage Plans are Available for 2022?

These plans are available in most states, but the specifics of what’s covered can vary. For example, some plans may have additional benefits like transportation or meal delivery services.

AARP Medicare Supplement Insurance Plans

AARP Medicare Supplement Insurance plans (also known as Medigap plans) are designed to help cover the out-of-pocket costs of Original Medicare, such as deductibles, copayments, and coinsurance. These plans are offered by private insurance companies, but they’re standardized by the federal government. This means that a Plan F from one company will have the same benefits as a Plan F from another company.

If you’re enrolled in Original Medicare and you have a Medicare Supplement Insurance plan, you can go to any doctor or hospital that accepts Medicare. You’ll also have the freedom to see specialists without a referral.

What AARP Medicare Supplement Insurance Plans are Available for 2022?

It’s important to note that Plan F and Plan C are no longer available to new Medicare beneficiaries. However, if you were enrolled in Plan F or Plan C before January 1, 2020, you can keep your plan.

FAQs

What is the enrollment period for AARP health insurance plans?

You can enroll in an AARP Medicare Advantage plan or an AARP Medicare Supplement Insurance plan during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. You can also enroll in a Medicare Advantage plan during the Medicare Advantage Open Enrollment Period (OEP), which runs from January 1 to March 31 each year.

What is the difference between a Medicare Advantage plan and a Medicare Supplement Insurance plan?

A Medicare Advantage plan is an all-in-one plan that combines Medicare Parts A and B with additional benefits, while a Medicare Supplement Insurance plan helps cover the out-of-pocket costs of Original Medicare. Medicare Supplement Insurance plans are compatible with any doctor or hospital that accepts Medicare, while Medicare Advantage plans are offered by private insurance companies and may have a network of providers.

What should I consider when choosing an AARP health insurance plan?

When choosing an AARP health insurance plan, you should consider the cost of the plan (including premiums, deductibles, and copayments), the coverage options (such as prescription drug coverage), and the network of doctors and hospitals.

Can I change my AARP health insurance plan?

You can change your AARP health insurance plan during the Annual Enrollment Period (AEP) or the Medicare Advantage Open Enrollment Period (OEP). Outside of these enrollment periods, you may be able to make changes to your plan if you experience a qualifying life event, such as moving to a new state or losing other health coverage.

Can I enroll in an AARP health insurance plan if I’m under 50?

No, AARP health insurance plans are only available to people over the age of 50.

Conclusion

If you’re a member of AARP and you’re eligible for Medicare, you have a variety of health insurance options to choose from for 2022. Whether you’re looking for an all-in-one Medicare Advantage plan or a Medicare Supplement Insurance plan to help cover out-of-pocket costs, AARP has you covered.

As always, it’s important to review the details of each plan carefully to make sure you’re getting the coverage you need at a price you can afford.