About AARP Medicare Supplement Plans

The AARP (American Association of Retired Persons) was founded by a retired teacher back in the late ‘50s. It is an independent group that provides supplemental Medicare plans for its members. The group was originallyopened only to teachers and educators, but has since been made available to all Americans. The AARP membership is only for persons who are at least 50 years old. This article discusses some of the benefits and AARP Medicare supplement plans and information about joining ARRP.

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AARP Plans

The AARP plans actually align with the Medigap plans that many people are familiar with. These plans are labeled as letters of the alphabet, and each of them has different benefits and premiums. As of right now, AARP does not offer a Plan G.

Unlike Medigap’s drug plans, however, AARP supplemental plans can be combined with Part D of Medicare. This allows you to reap the benefits of Medicare drug coverage along with AARP’s coverage.

Like Medigap plans, AARP will help to pay for Medicare Part A and Part B. Your AARP plan could even cover the copayments, depending on the plan you use.

AARP plans are rated in three different ways- by attained age, by issued age, and by community rating. Community-rated plans charge everyone in your area the same rate. Their age and other factors are not considered when determining the cost of the premiums.

Using an AARP plan, you can greatly reduce or eliminate your out-of-pocket expenses. Depending on your specific medical conditions, you can get AARP Medicare supplement plans that suits your needs. For critical conditions like heart attacks, strokes, hearts surgeries, and cancer, you can use an AARP plan that provides lump sum benefits.

The type of coverage you get will directly depend on how much you are willing to pay for it. The more coverage you receive, the higher your premiums will be.

AARP Membership

As mentioned before, only people 50 years or older can become AARP members. The benefits of that membership include many discounts and prioritized access to services and providers. AARP members can receive free professional advice for medical concerns and for their insurance questions.

Members also receive dental insurance, a personal emergency response system, and discounts on prescription drugs, vision needs and hearing aid products.

For those who are not yet eligible for Medicare, AARP offers supplemental hospital coverage as well. This hospital indemnity insurance provides assistance for hospital stays, outpatient care, ICU expenses, and nursing care for post-hospital stays.

Like Medigap plans, AARP Medicare supplement plans are issued by insurance companies. This means that although the plans and the coverage they provide will stay the same from company to company, the rates those companies charge will differ. In order to make sure you are getting a decent rate, you should use a service like our online quote service that compares rates from different companies. This allows you to find out which plan and provider will fit your budget while still giving you the coverage that you need.

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