AARP Insurance Health: Understanding What You Need to Know

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As you age, it’s essential to have health insurance to cover medical expenses. AARP Insurance Health is one option that many seniors consider. In this article, we’ll take a closer look at what AARP Insurance Health is and what you need to know about it.

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What is AARP Insurance Health?

AARP Insurance Health is a type of health insurance that is designed specifically for people aged 50 and over. The program is offered through UnitedHealthcare, and it is available to AARP members. AARP members also have access to a variety of other benefits, including discounts on travel, dining, and entertainment.

When you enroll in AARP Insurance Health, you will have access to a network of healthcare providers who have agreed to provide services at a discount to AARP members. You will also have access to a variety of different types of insurance plans, including Medicare Advantage plans, Medicare Supplement plans, and prescription drug plans.

If you already have insurance through Medicare, you can still enroll in AARP Insurance Health. However, if you have a Medicare Advantage plan, you will need to switch to a Medicare Supplement plan if you want to enroll in AARP Insurance Health.

What Are the Benefits of AARP Insurance Health?

There are several benefits of enrolling in AARP Insurance Health:

  1. You will have access to a network of healthcare providers who have agreed to provide services at a discount to AARP members.
  2. You will have access to a variety of different types of insurance plans, including Medicare Advantage plans, Medicare Supplement plans, and prescription drug plans.
  3. You will have access to resources and support to help you manage your healthcare, such as wellness programs, disease management programs, and care coordination services.

What Types of Insurance Plans are Available?

There are several different types of insurance plans available through AARP Insurance Health:

Medicare Advantage Plans

Medicare Advantage plans are all-in-one plans that provide you with Medicare Part A (hospital insurance) and Part B (medical insurance) coverage. Some plans also include prescription drug coverage and other benefits, such as vision, dental, and hearing coverage.

Medicare Advantage plans are offered by private insurance companies, such as UnitedHealthcare. When you enroll in a Medicare Advantage plan, you will still have Medicare, but your benefits will be provided through the insurance company.

Medicare Supplement Plans

Medicare Supplement plans are also known as Medigap plans. These plans are designed to help you pay for out-of-pocket costs that aren’t covered by Medicare, such as deductibles, copayments, and coinsurance.

There are ten different types of Medicare Supplement plans, each with different levels of coverage. For example, Plan F provides the most comprehensive coverage, while Plan A provides the least amount of coverage.

Prescription Drug Plans

Prescription drug plans are designed to help you pay for the cost of prescription drugs. These plans are offered by private insurance companies, such as UnitedHealthcare. When you enroll in a prescription drug plan, you will pay a monthly premium, and you will have access to a network of pharmacies that have agreed to provide discounts to plan members.

How Much Does AARP Insurance Health Cost?

The cost of AARP Insurance Health will depend on several factors, including the type of insurance plan you choose and where you live. In general, Medicare Advantage plans tend to have lower monthly premiums but higher out-of-pocket costs, while Medicare Supplement plans tend to have higher monthly premiums but lower out-of-pocket costs.

To get an idea of how much AARP Insurance Health will cost you, you can use the online cost estimator tool on the AARP website. You can also speak with an AARP representative who can help you understand your options and find a plan that fits your budget and healthcare needs.

FAQ

Do I have to be an AARP member to enroll in AARP Insurance Health?

Yes, you must be an AARP member to enroll in AARP Insurance Health. However, AARP membership is open to anyone aged 50 and over, and it only costs $16 per year.

Can I enroll in AARP Insurance Health if I already have insurance through Medicare?

Yes, you can still enroll in AARP Insurance Health if you have insurance through Medicare. However, if you have a Medicare Advantage plan, you will need to switch to a Medicare Supplement plan if you want to enroll in AARP Insurance Health.

What types of insurance plans are available through AARP Insurance Health?

There are several different types of insurance plans available through AARP Insurance Health, including Medicare Advantage plans, Medicare Supplement plans, and prescription drug plans.

How much does AARP Insurance Health cost?

The cost of AARP Insurance Health will depend on several factors, including the type of insurance plan you choose and where you live. To get an idea of how much AARP Insurance Health will cost you, you can use the online cost estimator tool on the AARP website or speak with an AARP representative.

Can I enroll in AARP Insurance Health outside of the open enrollment period?

Generally, you can only enroll in AARP Insurance Health during the annual open enrollment period, which runs from October 15 to December 7 each year. However, there are some exceptions, such as if you are turning 65 or if you have a qualifying life event, such as losing your job or moving to a new state.

Conclusion

AARP Insurance Health is a type of health insurance that is designed specifically for people aged 50 and over. The program is offered through UnitedHealthcare, and it is available to AARP members. When you enroll in AARP Insurance Health, you will have access to a network of healthcare providers who have agreed to provide services at a discount to AARP members. You will also have access to a variety of different types of insurance plans, including Medicare Advantage plans, Medicare Supplement plans, and prescription drug plans. To learn more about AARP Insurance Health and find a plan that fits your needs and budget, visit the AARP website or speak with an AARP representative.

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