AARP Medicare Plans

3.5 based on 79 Reviews*

For more information on AARP Medicare, please call the number below to speak with a healthcare specialist:

1-800-810-1437TTY 711

What do AARP Medicare Plans offer? Becoming eligible for Medicare may be welcome to seniors who want quality healthcare. But deciding which healthcare plan to choose may seem daunting to those people who often turn to friends, relatives or consumer advocate groups to help them make their healthcare plan choices.

10/18/2016 Update: Use the form below to obtain real time pricing information for 2017 AARP (United Healthcare) Medicare Supplement and Medicare Advantage Plans. AARP is one of the most popular choices for active individuals seeking robust medicare benefits. Once you complete the basic census form, you will have access to information regarding prescription drug coverage, doctor networks and co-pays. Please note that you will not be contacted by multiple parties. HealthNetwork respects your privacy and works very hard to ensure a quality consumer experience. HealthNetwork helps more than 17 million American families a year safely research their healthcare coverage options, while making sure to protect and respect their right to privacy.

AARP Medicare Plans Click Here To Get 2017 Pricing

One of the most commonly asked questions about plan offerings that we receive is on AARP Medicare Plans. In this detailed overview, we examine some of the benefits of the AARP plans. We’ll also take a closer look at who they are underwritten by and any possible positives or negatives that AARP Medicare plans might have.

AARP and Medicare – Why is AARP offering Medicare services?

Yes, friends and family are often good resources to use to find a plumber or mechanic. But relying on their opinions and aid when shopping for healthcare will not always result in securing quality healthcare at the best possible price. The reason it is not a good source of best practice information is because every person’s healthcare needs are different, both in the scope of your individual healthcare coverage needs and your budgetary restraints. In other words, what’s good for the goose may not be good for the gander.

Should you leave our site and still have questions, you have a few options. One would be to contact us by our toll-free number, 800-810-1437, to ask a question to a licensed Medicare insurance specialist.

Another option is to turn to a government resource website. While many government websites can be difficult to navigate through and do not always offer the best overall user experience, they are, in fact, the authority on the subject matter. So, if time provides you an opportunity to do so, it is highly recommended that you check with the official Medicare website, Medicare.gov. This will allow you to familiarize yourself with Medicare terms and to research the program. Having the basic information regarding Medicare will also help you assess other healthcare plan options offered by outside insurance companies and whether or not they will benefit you.

As mentioned earlier, some people turn to advocacy groups to help them sift through all the available information and even to receive rates at discounted prices. One such advocacy group that is widely known and trusted by many is the AARP.

Naturally, a decision such as choosing your healthcare plan provider is a very important one. Whether you are choosing Medicare or an outside private insurance company, utilizing every possible informational tool available to you is an added protection that helps to ensure that you will be making an informed decision that is right for you. Therefore, getting advice from what you consider to be a trusted advocate could be considered an additional tool.

It should be understood and known that we are not recommending any insurer or advocacy group contained in this article. Rather, we are simply providing information on a topic of interest to our users and any and all parties mentioned are in no way directly affiliated with us or any of our subsidiaries. The information provided is done merely as a convenience to our readers to help provide information of interest to them. It is not an endorsement of any insurance company, plan or advocacy group.

Furthermore, Medicare is an entitled right to healthcare by all whom are eligible. It is a complex insurance plan designed to ensure quality healthcare to all U.S. citizens or legal United States residents of five years or more who have reached the age of 65. And, it ensures quality healthcare for the disabled on Social Security or other health conditions deemed eligible by Medicare or Medicaid eligibility standards.

While there are certain requirements under Medicare, in no way is any person required to purchase optional insurance plans from other entities outside of the Medicare system. However, depending on your own personal medical and healthcare needs, purchasing additional coverage may be a choice you wish to consider. Due to this fact, we have chosen to provide information thought to be of informational assistance to you.

Because AARP is a widely known and popular option, we have used their information as an example of an optional source of information and co-provider of insurance options available in the insurance marketplace. It is our sincere hope that the information provided below is of some value to you. Again, we want to clarify, the coverage and information we are providing is in no way is an endorsement.

What is AARP?

AARP is a self-described, nonprofit, nonpartisan organization that advocates for seniors on social issues of importance, such as: healthcare, employment security, retirement planning and reviewing the quality of marketplace products and services. It also provides its members with discount opportunities on products, travel and various services, including healthcare.

According to AARP’s mission statement, it is their goal, through “relationships” with leading companies, to make various healthcare products, services and discount information available to their members. The information is free to AARP’s 37 million members. And though AARP does provide information on a range of healthcare plans from particular insurance companies, neither AARP nor its affiliate is an insurer. Instead, AARP contracts with insurers to provide available coverage to its members.

Below, we will provide a brief outline of the Medicare plan options offered through AARP. It is meant only to provide general information as to what is typical in coverage; it should be noted that the information is generalized and not specific. Any healthcare plan you are considering should be given serious attention to details, cost, limitations and requirements.

If you have any questions at all, don't hesitate to call and speak with one of our healthcare professionals. Available 24/7 at 1-800-810-1437TTY 711

AARP Medicare Advantage Plans

Through AARP, in conjunction with United Healthcare or one of its affiliated companies, healthcare plans called Medicare Advantage (Part C) plans are available to AARP members. Medicare Advantage plans are operated by private insurers and offer AARP members a combination of Medicare plans. These include Part A (hospital coverage) and Medicare Part B (doctor coverage) additional services and benefits.

Under the plans available, many have coverage that includes prescription drugs or Medicare Advantage with Prescription Drug (known as MA-PD) plans. These plans frequently are offered with no additional premium beyond that which is already paid for you with the Part B premium you pay. In order to qualify for enrollment in a Medicare Advantage Plan, it is required that you are already enrolled in Original Medicare Part A and Part B and continue to pay your Medicare Part B monthly premium*.

* Unless your Part B premium is paid for by Medicaid or another party.

AARP Medicare Advantage plans combine all your benefits into one plan. The plan includes coverage for hospitals, doctors and prescription drugs. Coverage cannot be denied for preexisting conditions and no physical examination is required to enroll in the plans.

When you are considering a policy through AARP, it is important to know whether your financial situation requires you to have a higher monthly premium and lower out-of-pocket costs or a lower monthly premium and higher out-of-pocket costs. This is because AARP offers plans that meet both needs. The AARP also can create plans that require participants to only visit doctors:

  • Who are on a pre-approved list
  • Who are considered in-network
  • Who have policies that provide more flexibility

It is also important to know whether you need a policy that will provide coverage nationwide or whether you only need coverage locally. If you are active and travel quite frequently, it may be best to have a policy that will cover claims across the county.

HMO

Health Maintenance Organization HMO Plans

  • Usually limits participants to healthcare professionals that are considered in-network, which likely means that they are located near where the participant lives, as well.
  • Participants do not have to stay in-network for emergency room, urgent care services or renal dialysis services
  • Requires the participant to have a primary care physician and obtain referrals from that primary care physician in order to visit a specialist
  • The out-of-pocket costs are usually lower with this type of plan

POS

Point-of-Service POS Plans

  • Usually limits participants to healthcare professionals that are considered in-network, which likely means that they are located near where the participant lives, as well. The plan may allow participants to visit out-of-network physicians for certain services for additional costs. Must review plan’s terms for more specifics.
  • Plan may require the participant to have a primary care physician and obtain referrals from that primary care physician in order to visit a specialist. Must review plan’s terms for more specifics.
  • The out-of-pocket costs are usually lower than PPO plans, but higher than HMO plans. Preferred Provider Organization (PPO) Plans
  • Participants are permitted to visit any doctor they wish, which usually means that they are not limited to a certain geographic location.
  • Plan does not require the participant to pick a primary care physician and does not require referrals in order to see a specialist.
  • The out-of-pocket costs are usually the highest of all of the plans.
  • Benefits offered by all AARP Medicare Advantage Plans
  • All the benefits of a Medicare Part A plan, with the exception of hospice coverage. You must use your Medicare Part A plan for coverage of hospice claims.
  • All the benefits of Medicare Part B.
  • Plans begin at $0 monthly plan premiums in conjunction with your Medicare Part B premium
  • A maximum out-of-pocket yearly amount to limit your expenses
  • Fixed (yearly) co-pays; for doctor visits and numerous other medical services.
  • Numerous preventive services for $0 co-pay.
  • Worldwide emergency care coverage
  • 24-hour nurse hotline
  • Yearly eye exam
There are additional perks offered by some of the AARP Medicare Advantage plans. These may also be associated with additional costs:
  • Annual hearing exam
  • Hearing aid benefit
  • Routine eyeglasses
  • Preventive medicine wellness programs
  • Name brand and generic prescription drug coverage similar to Medicare Part D plans
  • Additional benefits not covered by Medicare

RX

AARP Medicare Prescription Drug Plans

In addition to offering a Medicare Advantage plan, AARP also offers a Medicare Prescription Drug plan. This would be similar to original Medicare’s Part D program.

This program is also offered through UnitedHealthcare or its affiliates. It offers three different types of programs: AARP MedicareRx Saver Plus and AARP MedicareRx Preferred. The programs, associated benefits and costs may change in subsequent years. Here are the basic details of each according to AARP:

AARP MedicareRx Saver Plus Plan
  • Prescription drug coverage for a low premium (monthly fee); see plan’s specific terms for more information
  • Annual deductible is: $320.00
  • Will cover most generic drugs that are also covered by Part D and many common brand name drugs
  • Donut hole coverage gap in 2016: participant pays 58 percent of total cost for generic drugs and 45 percent of total cost for brand name drugs, in any tier, during gap (donut hole begins after total out-of-pocket costs for both participant and provider reach $3,310.00 in 2016)
  • Co-pays for prescriptions filled at preferred retail pharmacy could be as low as $1.00
  • Includes preferred mail service pharmacy program; see policy’s specific terms for more information
AARP MedicareRx Preferred Plan
  • Better prescription drug coverage for a lower premium (monthly fee); see plan’s specific terms for more information
  • Annual deductible is: $0
  • Will cover nearly all generic drugs that are also covered by Part D and most common brand name drugs
  • Donut hole coverage gap in 2016: participant pays 58 percent of total cost for generic drugs and 45 percent of total cost for brand name drugs, in any tier, during gap (donut hole begins after total out-of-pocket costs for both participant and provider reach $3,310.00 in 2016)
  • Co-pays for prescriptions filled at preferred retail pharmacy could be as low as $3.00
  • Includes preferred mail service pharmacy program; see policy’s specific terms for more information

SUP

AARP Medicare Supplement Insurance Plans

These plans, also known as Medigap plans, are insured by UnitedHealthcare Insurance Company and their affiliates. They’re used to supplement medical expenses incurred by original Medicare. More specifically, if there is a part of a claim not paid for by Part A or Part B, an AARP Supplement Insurance plan may cover the cost.

The Supplement Insurance plan does not limit which healthcare providers you can visit. So long as the healthcare professional accepts your original Medicare coverage, the AARP Supplement Insurance plan can be used.

When you enroll in an AARP Supplement Insurance Plan, the representative or questionnaire will ask you for: your birthdate, the start date of your Medicare Part B plan and the date that you wish for the Supplemental Insurance policy to begin. This information will be used to determine your standard monthly rate for coverage for Medicare Part A and Part B.

The Supplemental Insurance policy is considered a coinsurance policy.

The AARP Supplement Insurance policy cannot be used to pay your Medicare Part A or Part B deductibles. And, there may be certain limitations regarding what it will pay for other services offered under Part A and Part B; however, you will need to closely review your policy terms for those specifics.

Should you have any questions regarding any of these plans, do not hesitate to contact us directly regarding all of your options. And if you’re interested in viewing Medicare Advantage, Part D or a Supplement plan, we invite you to shop with us at HealthNetwork.com/Medicare


*Star Rating
The star rating listed above is reflective of results of consumer polling from individuals who have used in the past and or currently use that carriers medicare plan. These do not reflect star ratings that have been assigned to each individual carriers plan by CMS. For detailed information about each plans CMS star rating please visit Medicare.gov.

Need help? Speak with a human.

1-800-810-1437TTY 711 2017 Medicare Plan Finder ›