AARP Medicare Supplement advantages

AARP Medicare Supplement insurance, also known as Medigap, is a type of insurance offered by the American Association of Retired Persons (AARP) that is designed to supplement Original Medicare (Parts A and B). The insurance is offered by UnitedHealthcare Insurance Company and it helps cover out-of-pocket expenses such as deductibles, copayments, and coinsurance.

Here are some of the advantages of AARP Medicare Supplement insurance:

1.            Reduced financial burden: With AARP Medicare Supplement insurance, you can have coverage for unexpected medical costs that Original Medicare doesn't cover. For example, if you have a hospital stay that lasts longer than 60 days, Original Medicare will only cover a portion of the cost after the first 60 days, but with AARP Medicare Supplement insurance, you can have coverage for those additional days.

2.            Coverage for medical services not covered by Original Medicare: AARP Medicare Supplement insurance can also help cover the costs of medical services that Original Medicare does not cover, such as medical care received while traveling outside of the United States.

3.            No network restrictions: With AARP Medicare Supplement insurance, you have the freedom to choose any doctor or hospital that accepts Medicare.

4.            Additional benefits: AARP Medicare Supplement insurance plans come with additional benefits such as health and wellness programs, discounts on prescription drugs, and access to a 24/7 nurse hotline.

5.            Guaranteed enrollment during Medigap Open Enrollment Period: The best time to enroll in AARP Medicare Supplement insurance is during the Medigap Open Enrollment Period, which begins the first month you are both 65 or older and enrolled in Part B. During this time, you have a guaranteed right to enroll in any Medicare Supplement insuranc e plan offered in your state, regardless of your health status.

6.            Only available to AARP members: AARP Medicare Supplement insurance plans are only available to individuals who are members of AARP. However, membership in AARP is open to anyone age 50 or older, and it is not necessary to be retired to join.

In conclusion, AARP Medicare Supplement insurance can provide valuable coverage for out-of-pocket expenses and additional benefits for individuals on Original Medicare. It is important to research and compare different options to see if it is the right choice for you.