Aging comes with a lot of uncertainties, and health is no exception. As people age, the chances of developing health complications increase, and with it comes the need for adequate insurance coverage. AARP, a non-profit organization dedicated to empowering people over 50 years of age, offers comprehensive supplemental insurance coverage to seniors. In this article, we will explore the features of AARP Supplemental Insurance and why it may be a good choice for senior citizens.
What is AARP Supplemental Insurance?
AARP Supplemental Insurance is designed to help senior citizens pay for medical expenses that are not covered by Medicare. It is a type of insurance policy that is purchased in addition to original Medicare. AARP Insurance is offered through United Healthcare, a leading healthcare company in the United States.
Features of AARP Supplemental Insurance
AARP Supplemental Insurance offers a range of features that cater to the unique needs of senior citizens. Some of these features include:
Comprehensive Coverage
AARP Insurance provides coverage for a wide range of medical expenses that are not covered by Medicare. This includes deductibles, coinsurance, and copayments for hospital stays, doctor visits, and prescription drugs.
Guaranteed Renewal
Once you enroll in AARP Supplemental Insurance, your policy is guaranteed renewable for life. This means that as long as you pay your premiums on time, you can keep your coverage, regardless of your health status.
Nationwide Coverage
AARP Supplemental Insurance provides coverage across the United States, so you can receive medical care wherever you are in the country.
No Network Restrictions
With AARP Insurance, you can visit any healthcare provider that accepts Medicare, without any network restrictions.
Discounts on Wellness Programs
AARP Insurance offers discounts on wellness programs, such as gym memberships, weight loss programs, and smoking cessation programs, to help you stay healthy and active.
Why Choose AARP Supplemental Insurance?
AARP Insurance may be a good choice for senior citizens who want comprehensive coverage for medical expenses that are not covered by Medicare. Here are some reasons why you should consider AARP Supplemental Insurance:
Peace of Mind
With AARP Insurance, you can have peace of mind knowing that you are covered for a wide range of medical expenses.
Flexibility
AARP Supplemental Insurance offers flexibility in choosing healthcare providers, as there are no network restrictions.
Affordable Premiums
AARP Insurance offers affordable premiums that are competitive with other insurance providers.
Additional Benefits
In addition to comprehensive coverage, AARP Insurance offers additional benefits, such as discounts on wellness programs, that can help you stay healthy and active.
Coverage
Options AARP Insurance offers several coverage options to choose from, so you can select a plan that best fits your needs and budget. The coverage options include:
- Plan A: This plan offers basic benefits, including coverage for Medicare Part A coinsurance and hospital costs up to 365 days after Medicare benefits are exhausted.
- Plan B: This plan offers coverage for Medicare Part A coinsurance, deductible, and copayments, as well as Medicare Part B coinsurance and copayments.
- Plan C: This plan offers coverage for all the benefits included in Plan B, plus coverage for skilled nursing facility care coinsurance and the Medicare Part A deductible.
- Plan F: This plan offers the most comprehensive coverage, including coverage for all Medicare Part A and B coinsurance, deductibles, and copayments, as well as excess charges, foreign travel emergencies, and skilled nursing facility care coinsurance.
- Plan: This plan offers coverage for all the benefits included in Plan F, except for the Medicare Part B deductible.
- Plan K, L, and N: These plans offer lower premiums in exchange for higher out-of-pocket costs.
Enrollment and Eligibility
To be eligible for AARP Insurance, you must be enrolled in Medicare Parts A and B. You can enroll in AARP Supplemental Insurance during your Medicare open enrollment period, which begins three months before your 65th birthday and lasts for seven months. After the open enrollment period, you can still enroll in AARP Insurance, but you may be subject to medical underwriting, which could affect your coverage and premiums.
Premiums
The premiums for AARP Insurance vary based on several factors, including the coverage option you select, your age, and where you live. Generally, the premiums for AARP Insurance are competitive with other insurance providers, and AARP members may be eligible for additional discounts.
Customer Service and Support
AARP Supplemental Insurance is backed by United Healthcare, a leading healthcare company in the United States. United Healthcare provides customer service and support to AARP Insurance policyholders, including assistance with claims, billing, and coverage questions. United Healthcare also offers online tools and resources, such as a provider directory and prescription drug search tool, to help you manage your healthcare needs.
Conclusion
AARP Supplemental Insurance is a comprehensive insurance policy designed to help senior citizens pay for medical expenses that are not covered by Medicare. With its wide range of coverage options, competitive premiums, and exceptional customer service and support, AARP Insurance may be a good choice for senior citizens who want peace of mind and comprehensive coverage for their healthcare needs.