Paul Sanchez
AARP offers a wide range of insurance benefits to its members, including life insurance, home insurance, auto insurance, and dental insurance. In addition, AARP also provides Medicare plans, which are insured by UnitedHealthcare Insurance Company or one of its affiliated companies. These plans offer additional benefits beyond original Medicare, such as coverage for prescription drugs, dental, vision, and hearing. AARP members can also access Medicare Advantage plans and Medicare Prescription Drug plans, which are available to both members and non-members. Furthermore, AARP offers Medicare Supplement Insurance Plans, which provide additional insured member services. These plans are available in most states and territories across the US. AARP also offers savings of up to 10% on car insurance provided by The Hartford, as well as dental insurance coverage from the AARP Dental Insurance Plan administered by Delta Dental Insurance Company.
| Characteristics | Values |
|---|---|
| Insurance type | Life insurance, home insurance, auto insurance, dental insurance, Medicare plans, Medicare Part D plans, Medicare Advantage plans, LTC insurance |
| Providers | New York Life, The Hartford, Delta Dental Insurance Company, UnitedHealthcare Insurance Company |
| Availability | Available to members and non-members |
| Cost | $15 for the first year with automatic renewal, $20 per year for non-members |
| Discounts | Up to 10% off car insurance, discounts for requesting a quote online or bundling policies |
| Additional benefits | Accident Forgiveness, Disappearing Deductible, 24/7 towing, jump-starts, tire changes, lockout assistance, fuel delivery |
| Requirements | No medical exam required for life insurance, but health and other information is needed |
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What You'll Learn
AARP-branded insurance benefits
AARP offers a range of AARP-branded insurance benefits to its members. These include life insurance, home insurance, auto insurance, and dental policies. AARP members can also access a range of Medicare insurance benefits, including Medicare Advantage plans and Medicare Part D plans, which offer coverage for prescription drugs, dental, vision, hearing, and more.
AARP-branded life insurance benefits are provided by New York Life, and members can apply for up to $150,000 of coverage to help with funeral costs, rent or mortgage payments, and unpaid bills. AARP also offers a plan with life-long coverage of up to $50,000 with guaranteed rates that never increase.
In addition, AARP members can save on car insurance provided by The Hartford, with savings of up to 10% on their premium, as well as discounts for requesting a quote online or bundling auto and home policies. AARP also offers Allstate Roadside plans starting at $5.50 per month, which include benefits such as 24/7 towing, jump-starts, tire changes, and fuel delivery.
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Medicare plans
AARP offers a range of Medicare plans, some of which are available to both members and non-members. These plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies.
The Medicare Advantage plans are available to non-members and members alike. These plans offer additional benefits not covered by Original Medicare. They may include coverage for prescription drugs, dental, vision, hearing, fitness, and more.
AARP also offers AARP Medicare Supplement Insurance Plans, endorsed by AARP and insured by UnitedHealthcare Insurance Company. These plans are available in all states/territories except for North Dakota and New York. To enrol in an AARP Medicare Supplement Insurance plan, you must be an AARP member. However, non-members can join AARP for $20 per year.
In addition, AARP provides Medicare Part D plans, which are available to both members and non-members. These plans include options that cover commonly used generic and brand-name medications with low to no copays and deductibles.
AARP also provides free resources to help individuals navigate their options and enrol in a Medicare plan. Their website offers tools and resources to help manage your plan and health, including provider and pharmacy directories and drug lists.
Furthermore, AARP members can access various other insurance benefits, such as life insurance, home, auto, and dental insurance.
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Dental insurance
AARP offers dental insurance coverage from the AARP Dental Insurance Plan, which is administered by the Delta Dental Insurance Company. This plan is available to AARP members and their families and offers individual or family coverage for the most common dental procedures. The plan is also insured by Dentegra Insurance Company or affiliate companies in some states.
The AARP Dental Insurance Plan covers preventive, basic, and major dental services, including dentures. Some plans may also cover other services like teeth whitening, implants, and orthodontics. The plan offers a choice of Preferred Provider Organization (PPO) plans and Dental Health Maintenance Organization (DHMO) plans, with prices starting at $27.80. PPO plans offer more flexibility, while DHMO plans offer more predictable costs.
To find the right plan for your needs and budget, you can review the coverage details and decide based on out-of-pocket costs, waiting periods, annual deductibles, and annual maximums. You can also select a plan based on your state, as the specific insurance companies and plans offered vary by location.
AARP members can also access additional benefits, such as savings of up to 10% on car insurance provided by The Hartford and Allstate Roadside plans starting at just $5.50 per month.
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Life insurance
AARP offers a range of insurance benefits, including life insurance, to its members. AARP life insurance is provided by New York Life Insurance Company and is the only life insurance program developed exclusively for AARP members. It offers both term and permanent group coverage. Members can apply for up to $150,000 of coverage with AARP Term Life Insurance from New York Life. This plan does not require a medical exam, but health and other information are required. Members can also apply for up to $50,000 in lifelong coverage with guaranteed rates that never increase.
In addition to life insurance, AARP members can access a range of other insurance benefits, such as auto, home, dental, and Medicare plans. AARP also provides access to insurance products from top companies and personalized coverage options to meet the needs of its members and their families. For example, AARP offers car insurance provided by The Hartford with savings of up to 10% on premiums, as well as added benefits like Accident Forgiveness and Disappearing Deductible. AARP members can also access dental insurance coverage through the AARP Dental Insurance Plan administered by Delta Dental Insurance Company.
AARP Medicare plans are available to both members and non-members, with options like Medicare Advantage and Medicare Part D. These plans offer additional benefits beyond Original Medicare, including coverage for prescription drugs, dental, vision, hearing, and fitness. AARP also provides free resources to help individuals navigate their options and enrol in a plan that suits their needs.
Overall, AARP life insurance and its other insurance benefits aim to provide peace of mind and protection to its members, ensuring they have access to the coverage they need for themselves and their families.
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Car insurance
AARP offers car insurance to its members through The Hartford, with exclusive benefits and savings of up to 10% on premiums. The AARP Auto Insurance Program from The Hartford provides members with quality coverage at affordable prices, with additional discounts for online quotes and bundling home and auto policies. The program also includes benefits like Accident Forgiveness and Disappearing Deductibles.
AARP car insurance offers liability coverage for bodily injury and property damage, as well as collision and comprehensive insurance. Members can also take advantage of The Hartford's TrueLane Program, which rewards safe driving habits with discounts of up to 15% and renewal discounts of up to 40%. Defensive driving courses, such as the AARP Driver Safety Course, can result in additional savings of up to 5% for three years. Maintaining a clean driving record for five years can lead to further savings of up to 10%.
The Hartford also provides safe driver discounts for vehicles equipped with safety features like anti-lock brakes and anti-theft devices. Members can save on their premiums by paying their bills in full instead of making monthly payments. AARP car insurance is designed to provide peace of mind and protection, with highly-rated claims services available 24/7 to assist in the event of an accident.
In addition to cars and trucks, AARP members can also insure almost any other type of vehicle, including motorcycles, boats, RVs, snowmobiles, and collectible vehicles. AARP also offers roadside assistance plans starting at $5.50 per month, providing benefits such as 24/7 towing, jump-starts, tire changes, lockout assistance, and fuel delivery.
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Frequently asked questions
AARP offers a range of insurance options, including life insurance, home, auto, dental policies, and Medicare plans. These plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies. AARP members can access a range of Medicare insurance benefits as well as free resources to help navigate their options and enrol in a plan.
AARP Medicare plans offer additional benefits not covered by Original Medicare. These include coverage for prescription drugs, dental, vision, hearing, and fitness, among others.
Yes, you must be an AARP member to enrol in an AARP Medicare Supplement Insurance plan. However, you do not need to be a member to enrol in a Medicare Advantage plan or Medicare Prescription Drug plan.
An AARP membership costs $15 for the first year when signing up for automatic renewal.
Yes, AARP members can access insurance coverage for various vehicles, including motorcycles, boats, RVs, and more. They also offer Allstate Roadside plans, starting at $5.50 a month, which include benefits such as towing, jump-starts, and fuel delivery.
