aarp medicare supplement

AARP, formerly known as the American Association of Retired Persons, offers Medicare Supplement Insurance, also known as Medigap plans, in collaboration with UnitedHealthcare. These Medicare Supplement plans are designed to help Medicare beneficiaries fill the coverage gaps in Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance). Here’s some information about AARP Medicare Supplement plans:

  1. Medicare Supplement Plans: AARP offers several standardized Medicare Supplement plans, which are labeled with letters (e.g., Plan F, Plan G, Plan N). Each of these plans provides different levels of coverage, and they are designed to complement Original Medicare.
  2. Coverage: The coverage provided by Medicare Supplement plans generally includes cost-sharing expenses, such as copayments, coinsurance, and deductibles, that are not covered by Original Medicare. The specific coverage varies depending on the plan type.
  3. Freedom to Choose Healthcare Providers: With Medicare Supplement plans, you can typically choose any healthcare provider that accepts Medicare, without the need for a network of doctors or referrals.
  4. Guaranteed Issue Rights: Medicare beneficiaries have guaranteed issue rights when enrolling in a Medicare Supplement plan during certain periods, such as when they first become eligible for Medicare (Open Enrollment) or if they have other specific circumstances.
  5. Premiums: The cost of Medicare Supplement plans, in terms of monthly premiums, can vary depending on factors like the plan type, your age, location, and health status. Premiums are typically paid in addition to your regular Medicare Part B premium.
  6. Portability: You can keep your AARP Medicare Supplement plan even if you move to a different location within the United States.
  7. No Prescription Drug Coverage: Medicare Supplement plans do not include prescription drug coverage (Part D). If you want coverage for prescription medications, you will need to enroll in a standalone Medicare Part D plan.
  8. Customer Service and Support: AARP offers customer service and support for its Medicare Supplement plan members. You can contact them for assistance with plan-related questions and issues.
  9. Renewability: As long as you pay your premiums on time, your Medicare Supplement plan is guaranteed to be renewable, regardless of changes in your health status.
  10. Enrollment Periods: The best time to enroll in a Medicare Supplement plan is typically during your Medigap Open Enrollment Period, which begins when you are both 65 or older and enrolled in Medicare Part B.

When considering an AARP Medicare Supplement plan, it’s essential to compare plan options, costs, and coverage to determine which one best suits your healthcare needs and budget. You should also consider any specific health conditions and prescription medication requirements. Additionally, you may want to consult with a licensed insurance agent or broker who specializes in Medicare to help you make an informed decision.

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