AARP Supplemental Plans

AARP Medicare Advantage Health Insurance Plans

Who is AARP?

              Formerly known as the American Association of Retired Persons, the AARP is a nonprofit organization dedicated to better the lives of those over the age of 50. AARP is not an insurance company; instead they endorse plans run by health insurance carriers. AARP is a trusted name for individuals 50 years and older. Their history of healthy living runs all the way back to 1947 when Dr. Ethel Percy Andrus created the National Retired Teachers Association (NRTA). The NRTA evolved into the AARP in 1958. The non-profit organization has over 38 million members over the age of 50 and is constantly acquiring new members.

AARP Medicare Advantage Plans

              The AARP Medicare Advantage Plans are extensive health insurance plans that provide all of the coverage of the Original Medicare plan and the some. With Medicare Advantage Plans, you may have lower co-payments. Depending on the plan you choose, you may also receive coverage of additional benefits and services not offered by Medicare. The AARP Medicare Advantage Plan can also place a limit on the maximum out-of-pocket expenses. If you choose, you may be able to obtain a plan that covers prescription drugs.

              With AARP, you will have many great benefits when you purchase your great health plan:

• Low or no monthly premium

• Part D for Prescription Drugs are available with most plans

• Preventative Care

• Worldwide Coverage for Emergency Care

• Unlimited visits to your primary physician

The difference between AARP Advantage Plans and Medicare Supplemental Insurance:

              Medicare Supplemental Health Insurance plans are designed to fill in the gaps of Medicare. Also referred to as Medigap, these plans are designed by private health insurance carriers. Although Medigap plans and AARP Advantage Plans are designed to do the same thing, they do differ. Depending on the AARP Advantage plan you choose, it may have a low or no monthly premium. All Medigap Plans will have a monthly premium. AARP has a network of contracted doctors but offers access to many local doctors. In Medigap Plans, you have access to any doctor of your choice.

              Most plans available through AARP will have low or no deductibles, co-payments or coinsurance for certain services. Also, your AARP Medicare Advantage Plan can offer preventative care that surpasses Medicare’s covered services.

Am I eligible for the AARP Medicare Advantage Plan?

              In order to enroll into an Advantage Plan, you must enroll into the Medicare’s Part A and Part B. You (or an outside party) must continue to pay for your Medicare Part B Premium while enrolled in your Advantage Plan. Finally, you must reside in the service area of the plan to receive the benefits.

              Many consumers who are interested in the AARP Advantage Plans often ask whether they need to be an AARP member to qualify for these great benefits. But in order to qualify for one of these great plans, you only need to fulfill the above requirements. You do not need to be an AARP member to be eligible for these plans.

Why AARP?

               When you get a Medicare Advantage Plan from AARP, you can rest assured that you are dealing with a trusted company. While enrolled, you're free to choose any doctor that is in the AARP network. AARP as worked hard to build a huge network of credentialed physicians, hospitals and healthcare professionals. AARP is dedicated to enhancing the quality of life as we age. It’s understandable why you can put your trust in a nonprofit company like AARP.