Does AARP Offer Health Insurance?

As we age, the importance of health insurance cannot be overemphasized. Healthcare costs tend to increase with age, making it imperative to find an insurance plan that covers all your medical needs. AARP is a nonprofit organization that offers several benefits to seniors, including health insurance. But does AARP offer health insurance? Let’s find out more about AARP’s health insurance plans.

What is AARP?

The American Association of Retired Persons, also known as AARP, is a nonprofit organization that caters to the needs of people aged 50 and above. The organization advocates for seniors’ rights and offers a wide range of benefits and discounts. AARP’s mission is to help seniors live healthy, financially stable lives.

Does AARP Offer Health Insurance?

Yes, AARP does offer health insurance plans. The organization partners with UnitedHealthcare to offer Medicare Supplement Insurance plans, Medicare Advantage plans, and Prescription Drug plans. AARP also offers dental and vision insurance plans to its members.

Medicare Supplement Insurance Plans

Medicare Supplement Insurance, also known as Medigap, is a type of health insurance that covers the gaps in Medicare coverage. If you have original Medicare, you may face out-of-pocket costs for deductibles, copayments, and coinsurance. A Medigap plan can help cover these costs. AARP’s Medicare Supplement Insurance plans are standardized and offer several benefits, including:

AARP’s Medicare Supplement Insurance plans have no network restrictions, and you can see any doctor or specialist who accepts Medicare. To enroll in a Medigap plan, you must be enrolled in Medicare Part A and Part B. You must also be at least 65 years old or have a qualifying disability.

Medicare Advantage Plans

Medicare Advantage plans, also known as Part C plans, are an alternative to original Medicare. Medicare Advantage plans are offered by private insurance companies and provide the same benefits as original Medicare. However, Medicare Advantage plans can also offer additional benefits, such as prescription drug coverage, dental, and vision coverage.

AARP’s Medicare Advantage plans are offered in partnership with UnitedHealthcare. The plans combine hospital, medical, and drug coverage. AARP’s Medicare Advantage plans have low or no monthly premiums, and you can receive care from providers within the plan’s network. Some plans also offer prescription drug coverage.

Prescription Drug Plans

AARP’s Prescription Drug plans, also known as Part D plans, help cover the cost of prescription drugs. The plans are available to people who have original Medicare or a Medicare Advantage plan that does not include drug coverage. AARP’s Part D plans have no deductible for generic drugs and low copays for brand-name drugs.

Dental and Vision Insurance Plans

In addition to health insurance plans, AARP also offers dental and vision insurance plans. AARP’s dental plans cover preventive care, basic services, major services, and orthodontia. AARP’s vision plans cover eye exams, glasses, and contacts.

FAQ

What is the eligibility criteria for AARP’s health insurance plans?

AARP’s health insurance plans are available to people aged 50 and above. To enroll in a Medicare Supplement Insurance plan, you must be enrolled in Medicare Part A and Part B. To enroll in a Medicare Advantage plan, you must live in the plan’s service area and be enrolled in Medicare Part A and Part B. To enroll in a Prescription Drug plan, you must have original Medicare or a Medicare Advantage plan that does not include drug coverage.

Does AARP’s health insurance plans cover pre-existing conditions?

Yes, AARP’s health insurance plans cover pre-existing conditions. However, it’s important to note that there may be a waiting period before your coverage begins depending on the health insurance plan you choose.

How can I enroll in AARP’s health insurance plans?

You can enroll in AARP’s health insurance plans by visiting their website or calling their customer service representatives. You can also enroll during the Medicare Open Enrollment period or if you have a qualifying life event.

What are the premiums for AARP’s health insurance plans?

The premiums for AARP’s health insurance plans vary depending on the plan you choose, your location, your age, and your health status. However, AARP’s plans are known to be affordable compared to other health insurance plans in the market.

What are the benefits of enrolling in AARP’s health insurance plans?

The benefits of enrolling in AARP’s health insurance plans include comprehensive coverage, affordable premiums, access to a wide network of doctors and specialists, and additional benefits such as dental and vision coverage.

Conclusion

Getting the right health insurance plan is crucial for maintaining good health as you age. AARP offers a variety of health insurance plans that cater to the needs of seniors. Whether you’re looking for a Medicare Supplement Insurance plan, a Medicare Advantage plan, or a Prescription Drug plan, AARP has got you covered. Their plans are affordable, comprehensive, and offer additional benefits such as dental and vision coverage. Contact AARP today to find out more about their health insurance plans.