Understanding AARP Health Coverage: Benefits and Plans

AARP, known as the American Association of Retired Persons, is a nonprofit organization founded in 1958 by retired educator Ethel Percy Andrus. Its mission is to enhance the quality of life for aging individuals.

Since 1999, the organization has been called AARP, opening membership to those aged 50 and above, regardless of retirement status. Its primary focus remains on issues relevant to seniors.

With over 38 million members, AARP is a prominent advocacy organization.

The organization’s large membership and diverse activities generate most of its income, mainly not relying on government grants or private donations. Some programs receive external funding. One of its affiliated entities is AARP Insurance Plans.

AARP Health Insurance

While AARP is not an insurance carrier, it endorses select plans from partner insurers. In exchange for licensing its branding and intellectual property, AARP receives royalties that support its initiatives.

AARP-Approved Health Plans

Premium Plans: Offer comprehensive coverage and high benefits for members seeking extensive health protection.

Basic Health Insurance: Low-cost hospital cash indemnity plans with fixed payments.

Enhanced Coverage: These plans provide better benefits than basic options, combining affordability with good coverage.

Indemnity Plans: Fixed cash benefits supplement other coverage options and are priced competitively.

For seniors over 65, AARP features a variety of Medicare-related options:

Medicare Complete: An all-inclusive plan covering prescriptions, fitness benefits, and without restrictions on pre-existing conditions.

MedicareRx: Focuses solely on prescription drug coverage to help manage medication costs.

Medicare Supplement: Helps cover expenses not paid by standard Medicare.

These plans aim to help reduce healthcare costs for seniors. They tend to be more accommodating of pre-existing health issues, making coverage more accessible. AARP services prioritize assisting retirees with vital healthcare access, ensuring that older adults maintain health security even after income loss.