Benefits of Choosing AARP Health and Medicare Insurance Plans

AARP is a well-established organization dedicated to enhancing the quality of life for Americans aged 50 and above. With over 38 million members, AARP offers a variety of benefits, including health and Medicare supplement plans that help lower medical costs and hospitalization expenses. While not directly providing insurance, AARP endorses reputable insurance providers, making it easier for seniors to access reliable coverage.

Types of AARP Health and Medicare Insurance

• Higher premiums generally mean broader coverage, while choosing plans with higher deductibles can keep costs lower.
• Premier Plans: These comprehensive health plans cover about 80% of medical expenses, including doctor visits, medications, and hospital stays, after deductibles are met.
• High Deductible Plans: Suitable for healthy individuals and those with HSAs, offering lower premiums with higher out-of-pocket costs per claim.
• Preventative and Hospital Plans: Cost less in premiums but require the insured to pay most costs out of pocket, covering only hospitalizations and outpatient procedures.

Why Consider AARP Coverage?

• AARP is flexible with pre-existing conditions, often offering affordable options even with common ailments like high cholesterol.
• All plans include annual physical exams, screenings for prostate and breast health, and gynecological exams.
• Members can insure dependents, providing family coverage when employer options are unavailable.

Medicare Supplement Plans

• These plans help cover costs not reimbursed by Medicare, with a high approval rate of 99.94%.
• Premiums are not based on age, and community rating ensures consistent pricing regardless of health or gender.
• Premium costs remain steady over time, benefiting aging members, along with around-the-clock customer support.

Long-Term Care Insurance

• AARP offers long-term care insurance to help with nursing or assisted-living costs, ensuring premiums stay fixed for five years.
• Consulting AARP customer service can assist in selecting suitable coverage levels.

As a respected organization, AARP-endorsed plans provide dependable health coverage at competitive rates. Their influence ensures insurance providers uphold high standards of service and quality for members.