AARP Medicare supplement plans

As of my last update in September 2021, AARP (American Association of Retired Persons) offers Medicare supplement plans, also known as Medigap plans, to help cover some of the out-of-pocket costs that Original Medicare (Part A and Part B) doesn’t pay for, such as copayments, coinsurance, and deductibles. These plans are standardized and regulated by the federal government, so the benefits for each plan are the same regardless of the insurance provider, including AARP.

Medicare supplement plans are identified by letters (e.g., Plan A, Plan B, Plan C, etc.), and the availability of plans can vary based on your location and the insurance companies operating in your area. However, AARP itself doesn’t provide insurance; they have a partnership with UnitedHealthcare to offer AARP-branded Medicare supplement plans. These plans are available to AARP members and may come with some additional benefits or discounts for being an AARP member.

To get specific information about AARP Medicare supplement plans available in your area and their costs, it’s best to directly contact AARP or visit their website for the most up-to-date details. Keep in mind that insurance plans and offerings may have changed since my last update in 2021, so verifying the information with the latest sources is essential.

As of my last update in September 2021, AARP (American Association of Retired Persons) offers Medicare supplement plans, also known as Medigap plans, in collaboration with UnitedHealthcare. These plans are designed to work alongside Original Medicare (Part A and Part B) to help cover certain out-of-pocket expenses, such as deductibles, coinsurance, and copayments.

Here are some key points about AARP Medicare supplement plans:

  1. Standardized Plans: Medicare supplement plans are standardized by the government, meaning each plan offers the same basic benefits, regardless of the insurance company offering it. This makes it easier for beneficiaries to compare plans from different providers.
  2. Plan Types: There are several Medicare supplement plans, labeled with letters (e.g., Plan A, Plan B, Plan F, Plan G, Plan N). Each plan type covers a different set of benefits. However, not all plans may be available in every state.
  3. Plan F: As of January 1, 2020, Medicare Supplement Plan F is no longer available for new beneficiaries who become eligible for Medicare. However, if you were eligible for Medicare before that date and enrolled in Plan F, you can keep it.
  4. Premiums: The premiums for AARP Medicare supplement plans, like any Medigap plan, may vary depending on factors such as your age, location, and the specific plan you choose.
  5. Enrollment: To be eligible for a Medicare supplement plan, you must already be enrolled in both Medicare Part A and Part B.
  6. Network: Medicare supplement plans allow you to choose any healthcare provider that accepts Medicare patients, and there are no network restrictions.
  7. Coverage: These plans only cover one person, so if you and your spouse both want Medigap coverage, you’ll need to get separate policies.

It’s important to note that while Medicare supplement plans help with certain out-of-pocket costs, they do not include prescription drug coverage. If you want prescription drug coverage, you can enroll in a separate Medicare Part D plan.

Since details about insurance plans can change over time, it’s always best to visit the official AARP website or contact their representatives to get the most up-to-date information about the specific Medicare supplement plans they offer. Additionally, consulting with a licensed insurance agent or counselor can help you understand the options available to you based on your specific needs and location.

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