AARP is a non-profit organization that provides various benefits and services to its members, including supplemental health insurance plans. AARP supplemental health insurance plans are designed to help cover some of the out-of-pocket expenses that Original Medicare does not cover, such as deductibles, copayments, and coinsurance. These plans are offered through UnitedHealthcare, a leading provider of Medicare Advantage and supplemental insurance plans.
AARP supplemental health insurance plans are available to AARP members who are enrolled in Medicare Parts A and B. These plans are standardized, meaning that each plan offers the same benefits regardless of the insurance company that provides it. However, the cost of the plans may vary depending on the location, age, and health status of the individual. AARP offers several different plans, including Plan A, Plan B, Plan C, Plan F, Plan G, and Plan N. Each plan offers different levels of coverage and benefits, so it is important to choose the one that best fits your needs and budget.
AARP supplemental health insurance plans can be a valuable resource for those who need additional coverage beyond what Original Medicare provides. These plans can help reduce the financial burden of healthcare expenses and provide peace of mind knowing that you are covered in case of unexpected medical costs. However, it is important to carefully review the plans and understand the costs and benefits before enrolling.
Contents
Understanding AARP Supplemental Health Insurance
Definition
AARP Supplemental Health Insurance is a type of insurance coverage offered by the United Healthcare insurance company in partnership with the AARP organization. It is also known as Medigap insurance and is designed to help cover the gaps in healthcare coverage that are not covered by Original Medicare (Parts A and B).
This type of insurance is available to individuals aged 65 and above, as well as those who are younger but have certain disabilities or end-stage renal disease. AARP Supplemental Health Insurance plans are standardized and regulated by the federal government, with ten different plan options available.
Basics
AARP Supplemental Health Insurance plans are designed to help cover out-of-pocket costs such as deductibles, coinsurance, and copayments that are not covered by Original Medicare. These plans are standardized and offer the same basic benefits, regardless of which insurance company is providing the coverage.
The ten different plan options available under AARP Supplemental Health Insurance are labeled A through N, with each plan offering different levels of coverage. For instance, Plan A offers the least amount of coverage, while Plan F offers the most comprehensive coverage. Plan G is another popular option, as it offers comprehensive coverage but with lower premiums than Plan F.
It is important to note that AARP Supplemental Health Insurance plans do not cover long-term care, dental care, vision care, hearing aids, or private-duty nursing. However, some plans may offer coverage for foreign travel emergencies, preventive care, and excess charges that may be incurred if a healthcare provider does not accept Medicare assignment.
In summary, AARP Supplemental Health Insurance is a type of insurance coverage offered by United Healthcare in partnership with AARP. It is designed to help cover the gaps in healthcare coverage that are not covered by Original Medicare. There are ten different plan options available, each offering different levels of coverage. It is important to carefully review and compare plans to determine which one is the best fit for your healthcare needs and budget.
Benefits of AARP Supplemental Health Insurance
AARP Supplemental Health Insurance provides additional coverage for medical expenses that are not covered by Original Medicare. This insurance can help individuals save money on out-of-pocket expenses and provide peace of mind knowing that they are covered in the event of an unexpected medical expense.
Coverage Details
AARP Supplemental Health Insurance provides coverage for a variety of medical expenses, including hospital stays, doctor visits, and prescription drugs. The coverage details vary depending on the plan that is chosen, but most plans cover the following:
- Coinsurance and copayment for Medicare Part A and B
- Deductibles for Medicare Part A and B
- Skilled nursing facility care
- Emergency medical care while traveling outside of the United States
- Prescription drug coverage
One of the biggest benefits of AARP Supplemental Health Insurance is that it can help individuals save money on out-of-pocket expenses. Without supplemental insurance, individuals may be responsible for paying coinsurance, deductibles, and copayments for medical expenses that are not covered by Original Medicare. With AARP Supplemental Health Insurance, individuals can reduce or eliminate these expenses, which can save them hundreds or even thousands of dollars each year.
Cost Savings
AARP Supplemental Health Insurance can also provide cost savings in other ways. For example, many plans offer discounts on gym memberships, hearing aids, and vision care. These discounts can help individuals save money on health-related expenses that are not covered by their insurance.
In addition, AARP Supplemental Health Insurance can help individuals save money by providing access to a network of healthcare providers. Many plans offer lower copayments and coinsurance rates for services provided by in-network providers. This can help individuals save money on medical expenses while also ensuring that they receive high-quality care.
Overall, AARP Supplemental Health Insurance can provide a range of benefits for individuals who are looking to save money on medical expenses and ensure that they are covered in the event of an unexpected medical expense. By providing additional coverage for medical expenses that are not covered by Original Medicare, AARP Supplemental Health Insurance can help individuals reduce their out-of-pocket expenses and provide peace of mind knowing that they are covered in the event of an unexpected medical expense.
Eligibility and Enrollment
AARP Medicare Supplement Insurance is available to individuals who are 65 years and older, and are already enrolled in Medicare Part A and Part B.
Age Requirements
To be eligible for AARP Medicare Supplement Insurance, an individual must be at least 65 years old or have a qualifying disability. Individuals who are not yet 65 but have a qualifying disability may still be eligible for AARP Medicare Supplement Insurance.
Membership Prerequisites
To enroll in AARP Medicare Supplement Insurance, you must be a member of AARP. Membership in AARP is open to anyone who is 50 years or older, regardless of whether they are retired or still working. Membership in AARP provides access to a range of benefits and services, including discounts on travel, insurance, and other products and services.
To become a member of AARP, you can visit their website or call their toll-free number. Once you become a member, you can then enroll in AARP Medicare Supplement Insurance.
It is important to note that AARP Medicare Supplement Insurance is not available in all states. Before enrolling, it is recommended that individuals check with their state insurance department to see if AARP Medicare Supplement Insurance is available in their area.
In addition, AARP Medicare Supplement Insurance plans are standardized, which means that the benefits offered by each plan are the same, regardless of the insurance company that provides the plan. However, the cost of each plan may vary depending on the insurance company that provides it.
Overall, AARP Medicare Supplement Insurance is a valuable option for individuals who are looking to supplement their Medicare coverage. With a range of plans to choose from, individuals can find a plan that meets their specific needs and budget.
Comparing AARP Supplemental Health Insurance with Other Plans
Key Differences
When comparing AARP Supplemental Health Insurance with other plans, there are several key differences to consider. One of the most significant differences is that AARP Supplemental Health Insurance is only available to AARP members. This means that if you are not a member, you will not be eligible for this type of insurance. Additionally, AARP Supplemental Health Insurance is offered through UnitedHealthcare, which is a large and reputable insurance provider.
Another important difference to consider is that AARP Supplemental Health Insurance is a Medigap plan, which means that it is designed to fill in the gaps left by Original Medicare. This includes covering deductibles, coinsurance, and copayments. Other types of supplemental health insurance, such as hospital indemnity plans or critical illness plans, may cover different types of expenses.
Choosing the Right Plan
When choosing between AARP Supplemental Health Insurance and other plans, it is important to consider your individual needs and budget. AARP Supplemental Health Insurance offers a range of plans with different levels of coverage and pricing options. It is important to carefully review each plan and compare the costs and benefits to determine which plan is the best fit for you.
Other factors to consider when choosing a supplemental health insurance plan include your current health status, any pre-existing conditions you may have, and whether you travel frequently. Some plans may offer additional benefits such as coverage for foreign travel or wellness programs, which may be important to consider if these are important to you.
In summary, AARP Supplemental Health Insurance is a reputable and reliable option for those looking for additional coverage to fill in the gaps left by Original Medicare. When comparing AARP Supplemental Health Insurance with other plans, it is important to carefully review the costs and benefits of each plan to determine which plan is the best fit for your individual needs and budget.
Claims and Customer Support
Filing Claims
Filing a claim with AARP Supplemental Health Insurance is a simple process. Members can file a claim by calling the customer care center at 1-800-444-6544. The automated response line is open 24 hours a day and provides express instructions on how to file a claim.
Members can also file a claim online by logging into their account on the AARP website and following the prompts. The online claim filing process is quick and easy, and members can track the status of their claim through their account.
Contacting Support
AARP Supplemental Health Insurance offers excellent customer support to its members. Members can contact customer support by phone, email, or live chat. The customer support center is open Monday through Friday from 8 am to 8 pm ET.
Members can call the customer support center at 1-888-687-2277 to speak with a representative. Spanish-speaking members can call 1-877-342-2277, and international members can call 1-202-434-3525. TTY users can dial 711, and English-speaking members can call 1-877-434-7598.
Members can also contact customer support by email by filling out the contact form on the AARP website. The website also offers a live chat feature where members can chat with a representative in real-time.
In conclusion, AARP Supplemental Health Insurance offers excellent customer support and a simple claims filing process. Members can file a claim by phone or online and contact customer support by phone, email, or live chat.
Frequently Asked Questions
What is AARP supplemental insurance called?
AARP supplemental insurance is called AARP Medicare Supplement Insurance Plans. These plans help to cover the gaps in Original Medicare, such as deductibles, coinsurance, and copayments. AARP offers a range of Medicare Supplement Insurance Plans, including Plan A, Plan B, Plan C, Plan F, Plan G, and Plan N.
Is AARP a supplement plan?
No, AARP is not a supplement plan. AARP is an organization that offers Medicare Supplement Insurance Plans through UnitedHealthcare. These plans are designed to work with Original Medicare to help cover out-of-pocket costs.
What does AARP Supplement plan B cover?
AARP Supplement Plan B covers the following:
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
Is AARP supplemental insurance HMO or PPO?
AARP Supplemental Insurance Plans are not HMO or PPO plans. They are standardized Medicare Supplement Insurance Plans that work with Original Medicare.
What is AARP Medicare Supplement Plan F?
AARP Medicare Supplement Plan F is a comprehensive plan that covers all of the gaps in Original Medicare, including Part A and Part B deductibles, coinsurance, and copayments. It also covers excess charges for doctors who do not accept Medicare assignment.
Is AARP supplemental insurance good?
AARP Supplemental Insurance Plans are a good option for those who want to supplement their Original Medicare coverage. They offer a range of plans to choose from, and they are backed by the AARP name, which is a trusted organization for seniors. However, it is important to compare plans and costs to find the best option for your individual needs.
