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aarp medicare supplement

Are you in the market for Medicare supplement insurance? If so, you may have heard of AARP Medicare supplements. These plans, offered by the American Association of Retired Persons (AARP), are designed to provide additional coverage to Medicare beneficiaries. In this article, we will explore the benefits of AARP Medicare supplements and why they may be a good choice for you.

Understanding Medicare Supplement Insurance

Before we dive into the specifics of AARP Medicare supplements, let's first review what Medicare supplement insurance is and how it works.

Medicare supplement insurance, also known as Medigap, is a type of health insurance policy that is designed to help fill in the gaps left by Original Medicare. Original Medicare, which consists of Part A (hospital insurance) and Part B (medical insurance), covers many healthcare services but doesn't cover everything. For example, Original Medicare doesn't cover dental, vision, or hearing care, and there are limits on coverage for things like hospital stays and skilled nursing facility care.

Medigap plans are offered by private insurance companies and are standardized by the federal government. This means that the benefits offered by each plan are the same, regardless of the insurance company that sells it. For example, if you purchase a Plan F Medigap policy from one insurance company, the benefits will be identical to a Plan F policy purchased from another company.

There are ten standardized Medigap plans, labeled Plan A through Plan N. Each plan covers a different set of benefits, with Plan F being the most comprehensive. However, Plan F is no longer available to new Medicare beneficiaries as of January 1, 2020.

What are AARP Medicare Supplements?

AARP Medicare supplements are Medigap policies that are endorsed by the AARP. These policies are offered by United Healthcare, one of the largest health insurance companies in the United States. AARP Medicare supplements are available in most states and offer the same standardized benefits as other Medigap policies.

AARP Medicare supplements are designed to help Medicare beneficiaries cover the out-of-pocket costs associated with Original Medicare. This includes things like deductibles, coinsurance, and copayments. Depending on the plan you choose, an AARP Medicare supplement may also cover some or all of the costs associated with foreign travel for medical care.

One of the benefits of AARP Medicare supplements is that they are backed by the AARP, a nonprofit organization that has been advocating for the rights of older Americans for over 60 years. AARP offers a range of resources and benefits to its members, including discounts on travel, entertainment, and other products and services.

Why Choose AARP Medicare Supplements?

There are several reasons why you may want to consider AARP Medicare supplements as your Medigap policy of choice.

First, as mentioned earlier, AARP Medicare supplements offer the same standardized benefits as other Medigap policies. This means that the coverage you receive will be identical to what you would receive from any other insurance company offering the same plan.

Second, AARP Medicare supplements are backed by the AARP. This means that you can have confidence in the quality and reliability of the policies offered. AARP has a long history of advocating for the rights of older Americans and has a strong reputation in the healthcare industry.

Third, AARP Medicare supplements are offered by United Healthcare, one of the largest health insurance companies in the United States. This means that you can have confidence in the financial stability of the company and its ability to pay out claims.

Fourth, AARP offers a range of additional benefits and resources to its members. These benefits include discounts on travel, entertainment, and other products and services. This can help you save money and make the most of your retirement years.

How to Choose the Right AARP Medicare Supplement Plan

If you've decided that an AARP Medicare supplement