AARP
MEDICARE SUPPLEMENT ADVANTAGES PLANS
AARP Medicare Supplement insurance,
also
known as Medigap, is a type of insurance offered by the American
Association of Retired Persons (AARP) that supplements Original Medicare (Parts
A and B) coverage. The insurance is offered by UnitedHealthcare Insurance
Company and it helps cover out-of-pocket expenses such as deductibles,
copayments, and coinsurance. AARP offers different plans to choose from, each
with its own set of advantages.
Here are some of the advantages of
AARP Medica
re Supplement insurance plans:
1. Plan
A: It is the most basic plan that offers coverage for hospital stays, hospice
care, and the Part A deductible. It also includes coverage for the first three
pints of blood used in a medical procedure.
2. Plan
B: It is similar to Plan A,
but it also covers the Part B deductible, and the
cost of the first three pints of blood used in a medical procedure.
3. Plan
C: It offers more comprehensive coverage than Plan A and B, including coverage
for both Part A and B deductibles, and the cost of the first three pints of
blood used in a medical procedure. It also covers skilled nursing facility
care, foreign travel emergency care, and the excess charges for Part B
services.
4. Plan
D: It offers similar coverage to
Plan C but also covers the excess charges for
Part B services
5. Plan
F: It is the most comprehensive plan that covers all of the out-of-pocket
expenses not covered by Original Medicare, including the Part A and B
deductibles, the cost of the first three pints of blood used in a medical
procedure, skilled nursing facility care, foreign travel emergency care, and
the excess charges for Part B services.
6. Plan
G: It is similar to Plan F,
but it does not cover the Part B deductible.
7. Plan
N: It covers most of the out-of-pocket expenses not covered by Original
Medicare, including the Part A and B deductibles, the cost of the first three
pints of blood used in a medical procedure, skilled nursing facility care,
foreign travel emergency care, and the excess charges for Part B services.
It
may also require cost sharing such as copayments or coinsurance for certain
services.
8. 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 insurance plan offered in your state, regardless of your health
status.
9. 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 plans offer a range of coverage options, from basic to
comprehensive. It is important to research and compare the different plans and
choose the one that best fits your needs and budget.