As we age, the likelihood of needing additional medical care increases. Even if you have Medicare, it may not cover all of your healthcare expenses. Supplemental insurance, such as that offered by AARP, can fill in those gaps and make sure you have the coverage you need.
What is Supplemental Insurance?
Supplemental insurance is a type of insurance that covers healthcare costs that are not covered by your primary insurance plan. This can include deductibles, copayments, and other out-of-pocket expenses. Supplemental insurance can also cover services that are not typically covered by Medicare, such as vision, dental, and hearing care.
There are many different types of supplemental insurance plans available, and they can be purchased from a variety of providers. AARP is one such provider, and their supplemental insurance plans are designed specifically for seniors.
What Does AARP Supplemental Insurance Cover?
AARP offers several different types of supplemental insurance plans, each with its own set of benefits. Some of the most popular AARP supplemental insurance plans include:
Plan |
Coverage |
Medigap |
Covers deductibles, copayments, and other out-of-pocket expenses not covered by Medicare |
Vision |
Covers eye exams, glasses, and contacts |
Dental |
Covers preventive, basic, and major dental services |
Hearing |
Covers hearing exams and hearing aids |
Cancer |
Covers cancer treatment and related expenses |
These plans can be purchased individually or in combination with each other, depending on your specific needs.
How Does AARP Supplemental Insurance Work?
When you purchase an AARP supplemental insurance plan, you will pay a monthly premium for the coverage. Depending on the plan you choose, you may have a deductible or copayment that you will need to pay before the insurance kicks in.
Once you have met your deductible or copayment, the insurance will pay for the covered services as outlined in your plan. You may need to submit a claim to the insurance company to receive reimbursement for your expenses.
Why Choose AARP Supplemental Insurance?
There are many reasons to choose AARP supplemental insurance over other providers. Some of the benefits of AARP supplemental insurance include:
- Designed specifically for seniors
- Flexible plans to meet your individual needs
- No network restrictions, so you can see any healthcare provider who accepts Medicare
- Guaranteed renewable for life, so you can keep your coverage as long as you pay your premiums
Additionally, AARP offers discounts and other benefits to its members, so you may be able to save money on your healthcare expenses by choosing an AARP supplemental insurance plan.
FAQ
What is the difference between Medicare and supplemental insurance?
Medicare is a government-run healthcare program that covers certain healthcare expenses for people over the age of 65. However, Medicare does not cover all healthcare costs, and many seniors choose to purchase supplemental insurance to fill in the gaps.
Is AARP supplemental insurance affordable?
AARP supplemental insurance plans are competitively priced, and there are many different options available to fit any budget. Additionally, AARP offers discounts and other benefits to its members, which can further reduce the cost of your healthcare expenses.
Can I keep my current healthcare providers with AARP supplemental insurance?
AARP supplemental insurance has no network restrictions, so you can see any healthcare provider who accepts Medicare. This means you can keep your current providers as long as they accept Medicare.
How do I enroll in AARP supplemental insurance?
To enroll in AARP supplemental insurance, you can visit their website or call their customer service number. They will walk you through the enrollment process and help you choose the plan that is right for you.
Can I change my AARP supplemental insurance plan later?
Yes, you can change your AARP supplemental insurance plan at any time if your healthcare needs change. Simply contact AARP customer service to make the necessary changes.
Conclusion
Supplemental insurance can be an important part of your healthcare plan, especially as you age. AARP supplemental insurance plans are designed specifically for seniors and offer many benefits, including flexible coverage options and no network restrictions. If you are interested in purchasing supplemental insurance, consider AARP as a provider.
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