AARP Supplemental Health Insurance

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As you age, it becomes more imperative to have health insurance coverage that will help you pay for medical expenses that are not covered by regular Medicare. Some people turn to AARP supplemental health insurance to get these benefits. In this article, we’ll take a closer look at what AARP supplemental health insurance is and what it covers, as well as some frequently asked questions about this type of insurance.

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What is AARP Supplemental Health Insurance?

AARP supplemental health insurance is a type of health insurance that is designed to help individuals cover the costs of medical expenses that are not covered by regular Medicare. It is offered by AARP, which is an organization that provides a variety of services to people who are 50 years of age or older. This type of insurance can be purchased by anyone who is a member of AARP, regardless of their age.

There are several different types of AARP supplemental health insurance policies available, including plans that cover deductibles, co-payments, and other out-of-pocket expenses. Some plans also offer coverage for prescription drugs, dental care, vision care, and hearing aids. These policies are designed to supplement regular Medicare coverage, and they can help individuals save money on medical expenses that would otherwise be out of pocket.

It’s important to note that AARP supplemental health insurance is not the same as regular Medicare. Instead, it is an additional coverage option that is designed to provide extra protection for your health and financial wellbeing.

If you are considering purchasing an AARP supplemental health insurance policy, it’s important to understand what it covers, as well as the costs and benefits associated with each plan. You should also speak with a representative from AARP to learn more about which plan might be best for you based on your unique medical needs and financial situation.

What Does AARP Supplemental Health Insurance Cover?

The coverage that is provided by AARP supplemental health insurance policies varies depending on the specific plan that you choose. However, most policies cover things like deductibles, co-payments, and other out-of-pocket expenses that are not covered by regular Medicare.

Some plans also offer coverage for prescription drugs, dental care, vision care, and hearing aids. These benefits can be especially important for individuals who have chronic health conditions or who require frequent medical treatment.

Before purchasing an AARP supplemental health insurance policy, it’s important to review the coverage options carefully to ensure that you understand what is included and what is not.

Table: Summary of AARP Supplemental Health Insurance Coverage Options

Plan Type
Coverage Options
Plan A
Deductibles, co-payments, and other out-of-pocket expenses
Plan B
Deductibles, co-payments, and other out-of-pocket expenses, plus coverage for skilled nursing facility care and emergency medical services that are received outside of the United States
Plan C
Deductibles, co-payments, and other out-of-pocket expenses, plus coverage for Medicare Part B excess charges and preventative care services
Plan D
Deductibles, co-payments, and other out-of-pocket expenses, plus coverage for skilled nursing facility care, emergency medical services that are received outside of the United States, Medicare Part B excess charges, and preventative care services

FAQ: AARP Supplemental Health Insurance

What is the difference between AARP supplemental health insurance and regular Medicare?

AARP supplemental health insurance is not the same as regular Medicare. Instead, it is an additional coverage option that is designed to provide extra protection for your health and financial wellbeing. Regular Medicare is a federal health insurance program for people who are 65 years of age or older.

Do I have to be a member of AARP to purchase an AARP supplemental health insurance policy?

Yes, you must be a member of AARP in order to purchase an AARP supplemental health insurance policy. AARP membership is available to anyone who is 50 years of age or older.

How much does AARP supplemental health insurance cost?

The cost of AARP supplemental health insurance varies depending on the specific plan that you choose, as well as your age, gender, and other factors. Generally, however, premiums for AARP supplemental health insurance policies start at around $50 per month.

Can I change my AARP supplemental health insurance policy?

Yes, you can change your AARP supplemental health insurance policy at any time. However, it’s important to note that you may be subject to certain restrictions or penalties if you change your policy outside of the annual enrollment period.

Is AARP supplemental health insurance available in all states?

No, AARP supplemental health insurance is not available in all states. However, it is available in most states, and you can check with AARP to find out if it is available in your area.

Conclusion

AARP supplemental health insurance can be a valuable addition to your regular Medicare coverage, as it provides extra protection for your health and financial wellbeing. By carefully reviewing the coverage options and costs associated with each policy, you can choose the plan that best meets your unique needs and situation. If you have any questions or concerns about AARP supplemental health insurance, be sure to speak with a representative from AARP to learn more.

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