AARP Medicare Plans – A Brief Overview

If you are eligible for one of the AARP Medicare plans, some would argue that you can’t afford not to enroll. You can’t predict a time in your life when you’re going to be sick, need to be hospitalized or be involved in an accident; and risk of these problems increases as our age increases. That’s why there are several Medicare plans on the market designed for people over 50.

AARP, formerly known as American Association of Retired Persons, is a Washington, DC based, non-governmental organization; not an insurer, but a brand, AARP allows its name to be used in the selling of medical plans by insurance companies.

Let’s take a look at the AARP Medicare plans available and what do they offer:

AARP Essential Premier Health Insurance (insured through Aetna Life) – This includes Family Coverage (prescription drugs, doctor visits, hospitalization), Preventive care (routine colonoscopies, flu shots, annual GYN exam, yearly mammogram, yearly physical exam), Vision (one eyes exam every 12 months, discounts on lenses and frames), Tax Coverage (it’s compatible with tax-advantaged Health Savings Accounts), Traveling Coverage (covered in any states that work with Aetna life and internationally).

AARP Medicare Supplement Insurance Plan (insured through United Healthcare Insurance Company) – This covers medical expenses that Plan A and Plan B don’t. It gives you the right to choose your doctors and specialists and it can be combined with part D Plan.

AARP Medicare Advantage Plans (insured through AARP® MedicareRx Plan) – It provides benefits and services not covered by original Medicare. There are three types:

  • HMO Plans (Health Maintenance Organization) – With this plan one is entitled to receiving services from local providers, except from emergency room care and renal dialysis services. Referrals to specialists are usually required and the out-of-pocket costs are lower than those of POS and PPO plans.
  • POS Plans (Point-of-Service) – This is similar to the HMO plan, with the only exception that you can see certain providers outside the provider network. The out-of-pocket costs are in-between the HMO plan and the PPO plan.
  • PPO Plans (Preferred Provider Organization) – Within this plan you are allowed to choose all providers from outside your provider network and the out-of-pocket costs are the highest ones out of the Advantage Plans.

AARP MedicareRx Plans (insured through United Healthcare Insurance Company) – These are part of Medicare Part D plans and offer coverage for prescription drugs out of the Part A & B area. There are two types:

  • AARP MedicareRx Preferred (PDP) – Covers 85 % of the price for generic drugs and 50 % of the price for brand name drugs
  • AARP MedicareRx Enhanced (PDP) – Covers 95 % of the price for all types of drugs in the Part D plan.

AARP Medical Supply Services (insured through Prescription Solutions ) – This includes the following benefits:

  • Delivery – The shipments are free of charge and you can order up to a three month supply.
  • Personal support – The Patient Care Coordinators are delegated to work close with the people. They check the schedule of the shipments, remind of the next orders, help with the management of the medication and also suggest changes in the treatment with your doctor.
  • Disease Therapy Management Programs (DTM) – This is a plan for people who suffer from certain medical conditions or take special medication. The trained nurses are always in contact with the patients via telephone, when not present. Extra care is provided for people with respiratory illnesses and diabetes.

Regardless of the AARP Medicare coverage you choose, sure to take care in choosing which option works best for you based on your health, age, and financial situation. As you can see, there is a variety of options available to you with AARP Medicare, and you’re sure to find a health insurance solution that will suit your needs or the needs of a loved one over 50.


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