AARP Insurance Medical: What You Need to Know

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When it comes to finding health insurance, there can be a lot of confusion and frustration. With so many options available, it can be difficult to find the right plan that meets your specific needs. If you are a senior and a member of AARP, you may be interested in AARP insurance medical plans.

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What is AARP Insurance?

AARP is a nonprofit organization that aims to empower people 50 and older to choose how they live as they age. One of the services they provide is AARP insurance, which offers a variety of insurance products, including health insurance.

AARP insurance is offered through UnitedHealthcare, which is a top-ranked national health insurance provider. AARP and UnitedHealthcare have been partners for over 20 years, and together they offer a range of medical insurance options tailored to the needs of seniors.

What Does AARP Insurance Medical Cover?

AARP insurance medical plans offer comprehensive coverage for a range of medical needs. These plans cover everything from doctor visits and hospital stays to prescription drugs and preventative care.

Depending on the plan you choose, you may also have access to additional benefits, such as hearing and vision care, fitness programs, and wellness coaching.

Table 1: AARP Insurance Medical Plan Coverage

Service
Plan Coverage
Doctor Visits
100% after deductible
Hospital Stays
100% after deductible
Prescription Drugs
Varies by plan
Preventative Care
100% covered
Hearing and Vision Care
Varies by plan

Types of AARP Insurance Medical Plans

AARP offers a variety of medical insurance plans to fit a range of needs and budgets. It’s important to choose a plan that meets your specific health needs and financial situation.

Medicare Advantage Plans

Medicare Advantage Plans are a type of AARP insurance medical plan that is offered through Medicare. These plans offer all of the benefits of Original Medicare, plus additional benefits such as prescription drug coverage and dental, vision, and hearing care.

Medicare Advantage Plans also have a maximum out-of-pocket limit, which can help protect you from unexpected medical expenses. Some Medicare Advantage Plans also offer supplemental benefits, such as transportation to medical appointments and home meal delivery.

Medicare Supplement Plans

Medicare Supplement Plans, also known as Medigap, are another type of AARP insurance medical plan that is offered through Medicare. Medigap plans help fill in the gaps in coverage that Original Medicare does not cover.

There are several different Medigap plans available, each offering different levels of coverage. These plans can cover everything from deductibles and copays to foreign travel emergency care.

Short-Term Health Insurance

AARP also offers short-term health insurance plans for seniors who may be between jobs or have lost their employer-sponsored health insurance. These plans offer temporary coverage for up to six months.

Short-term health insurance plans typically offer lower premiums but also have higher deductibles and out-of-pocket maximums. They also do not cover pre-existing conditions.

FAQ: AARP Insurance Medical

Q: Can I join AARP and still get AARP insurance medical plans?

A: Yes, you must be a member of AARP in order to enroll in AARP insurance medical plans.

Q: Can I enroll in AARP insurance medical plans anytime?

A: No, you can only enroll in AARP insurance medical plans during certain times of the year, such as during the Medicare Annual Enrollment Period.

Q: Can I keep my current doctor if I enroll in an AARP insurance medical plan?

A: It depends on the plan you choose. Some plans may have restrictions on which doctors you can see, while others may allow you to see any doctor that accepts Medicare.

Q: Are AARP insurance medical plans more expensive than other health insurance plans?

A: It depends on the plan you choose and your specific health needs. AARP insurance medical plans may be more expensive than other plans, but they also offer comprehensive coverage tailored to the needs of seniors.

Q: Do AARP insurance medical plans cover pre-existing conditions?

A: Yes, AARP insurance medical plans typically cover pre-existing conditions, although there may be waiting periods before coverage begins.

Conclusion

AARP insurance medical plans offer comprehensive coverage for seniors who are looking for quality healthcare options. With a variety of plans to choose from, seniors can find the right plan that meets their specific needs and budget.

It’s important to carefully consider your options and choose a plan that gives you the coverage you need at a price you can afford. With AARP insurance medical plans, you can have access to quality healthcare and peace of mind knowing that you’re covered.

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