AARP offers its own Medicare Supplement plan in partnership with UnitedHealthcare, a leading provider of Medicare Advantage and Supplement plans. As you age, your medical expenses are likely to increase. Fortunately, there are many options available to help you pay for these costs. One of the most popular options is a Medicare Supplement plan, also known as Medigap. These plans are designed to help fill the gaps in coverage that Medicare Parts A and B do not cover.
What is AARP?
AARP, formerly known as the American Association of Retired Persons, is a nonprofit organization that provides a range of services and advocacy for people over the age of 50. Founded in 1958, AARP has over 38 million members in the United States. Its mission is to empower people to choose how they live as they age. AARP offers a wide range of services and discounts for its members, including travel, insurance, and healthcare.
AARP’s Relationship with UnitedHealthcare
AARP has a long-standing relationship with UnitedHealthcare, one of the largest providers of Medicare Advantage and Supplement plans in the country. In fact, AARP and UnitedHealthcare have been partners for over 25 years. This partnership allows AARP to offer its members a range of healthcare options, including Medicare Advantage and Supplement plans, dental and vision plans, and prescription drug coverage.
What is Medicare Supplement?
Medicare Supplement, or Medigap, is a type of insurance that is designed to help fill the gaps in coverage that Original Medicare (Parts A and B) do not cover. These gaps can include deductibles, coinsurance, and copayments. Medigap plans are sold by private insurance companies and are regulated by the federal government. There are 10 standardized Medigap plans available in most states, each with a different level of coverage.
Why do you need Medicare Supplement?
Medicare Supplement plans can help you pay for the out-of-pocket costs associated with Original Medicare. Without a Medigap plan, you would be responsible for paying these costs yourself. This can be especially costly if you have a chronic condition or require frequent medical care. Medigap plans can also provide you with additional benefits, such as coverage for foreign travel and preventive services.
How AARP Medicare Supplement Works
AARP Medicare Supplement plans are designed to work alongside Original Medicare. This means that you will still be enrolled in Medicare Parts A and B, and will continue to pay your Medicare premiums. Your Medigap plan will then pay for the out-of-pocket costs that Medicare does not cover, such as deductibles and coinsurance. AARP Medicare Supplement plans are sold by UnitedHealthcare and are available to AARP members who are enrolled in Medicare Parts A and B.
AARP Medicare Supplement Benefits
Comprehensive Coverage
AARP Medicare Supplement plans offer comprehensive coverage that can help you pay for a wide range of healthcare services. This includes hospital stays, doctor visits, and other medical expenses.
Guaranteed Acceptance
AARP Medicare Supplement plans offer guaranteed acceptance for eligible individuals, regardless of their health status or pre-existing conditions. This means that you cannot be turned down for coverage based on your health status.
Portable Coverage
AARP Medicare Supplement plans are portable, meaning that you can take your coverage with you if you move or travel. This can be especially beneficial if you travel frequently or spend time in different parts of the country.
Rate Stability
AARP Medicare Supplement plans offer rate stability, which means that your monthly premium will not increase as you age or if you develop health conditions. This can provide you with peace of mind knowing that your premium will remain affordable and predictable.
Wellness Programs
AARP Medicare Supplement plans offer a range of wellness programs designed to help you maintain your health and well-being. These programs may include gym memberships, health coaching, and other resources to help you stay healthy.
Customer Service
AARP Medicare Supplement plans offer customer service and support to help you navigate the healthcare system. Whether you need help finding a provider or have questions about your coverage, AARP and UnitedHealthcare are available to assist you.
Plan Options
AARP Medicare Supplement plans offer a range of plan options to fit your needs and budget. These plans are labeled with letters A through N, and each plan offers a different level of coverage. Here is a breakdown of the AARP Medicare Supplement plan options:
Plan A
Plan A is the most basic Medigap plan and offers the least amount of coverage. It covers only the Medicare Part A coinsurance and hospital costs for up to 365 days after Medicare benefits are exhausted.
Plan B
Plan B covers the same benefits as Plan A, plus the Medicare Part A deductible.
Plan C
Plan C covers the same benefits as Plan B, plus the Medicare Part B deductible, skilled nursing facility coinsurance, and foreign travel emergency coverage.
Plan F
Plan F is the most popular Medigap plan and offers the most comprehensive coverage. It covers all Medicare deductibles, coinsurance, and copayments, as well as foreign travel emergency coverage.
High-Deductible Plan F
High-Deductible Plan F is a variation of Plan F that requires you to pay a higher deductible before your coverage begins. This plan is designed for people who are in good health and do not anticipate needing frequent medical care.
Plan G
Plan G offers similar coverage to Plan F, but does not cover the Medicare Part B deductible.
Plan K
Plan K offers limited coverage and requires you to pay a percentage of your medical expenses out of pocket.
Plan L
Plan L offers slightly more coverage than Plan K, but still requires you to pay a percentage of your medical expenses out of pocket.
Plan N
Plan N offers similar coverage to Plan G, but requires you to pay copayments for some services.
How to Enroll in AARP Medicare Supplement
To enroll in an AARP Medicare Supplement plan, you must first be enrolled in Medicare Parts A and B. You can then contact AARP or UnitedHealthcare to learn more about the available plan options and enroll in a plan that fits your needs and budget.
Frequently Asked Questions
- What is the difference between Medicare Advantage and Medicare Supplement?
- Medicare Advantage plans replace Original Medicare and are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare and help fill the gaps in coverage.
- Can I enroll in an AARP Medicare Supplement plan if I have a pre-existing condition?
- Yes, AARP Medicare Supplement plans offer guaranteed acceptance, regardless of your health status or pre-existing conditions.
- Are AARP Medicare Supplement plans available in all states?
- AARP Medicare Supplement plans are available in most states, but plan availability may vary depending on your location.
- What is the cost of AARP Medicare Supplement plans?
- The cost of AARP Medicare Supplement plans varies depending on the plan you choose, your location, and other factors. It’s important to shop around and compare plans to find the best option for you.
- Can I switch from one AARP Medicare Supplement plan to another?
- Yes, you can switch from one AARP Medicare Supplement plan to another during certain enrollment periods. It’s important to speak with a representative to learn more about your options.
Conclusion
AARP Medicare Supplement plans are designed to help you fill the gaps in Medicare coverage and provide you with peace of mind knowing that your healthcare expenses will be covered. With a range of plan options, guaranteed acceptance, and other benefits like portable coverage and wellness programs, AARP Medicare Supplement plans are a great choice for many Medicare beneficiaries. To learn more or enroll in a plan, contact AARP or UnitedHealthcare today.
