Jane Dotson
AARP offers a range of insurance products, including life insurance, home, auto, and dental policies, as well as Medicare plans. While some of these benefits are exclusive to AARP members, others are available to non-members as well. For example, AARP Medicare Advantage plans, which are Part C plans combining Medicare Parts A and B, are accessible to non-members. These plans often include additional benefits such as prescription drug coverage, vision, hearing, dental, and fitness, which are not typically covered by Original Medicare. However, it's important to note that AARP no longer offers new health insurance plans for individuals aged 50 to 64, focusing instead on dental, vision, and short-term care policies for this age group.
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What You'll Learn
AARP Medicare plans
AARP offers a range of Medicare plans for its members and non-members. These plans are supplied by UnitedHealthcare, a subsidiary of the healthcare giant UnitedHealth Group.
To apply for Medicare coverage, one must be a US citizen or permanent resident aged 65 or older. However, there are exceptions for those under 65 with a qualifying disability or end-stage renal disease. In some states, plans may be available to persons under 65 who are eligible for Medicare due to disability or end-stage renal disease.
AARP Medicare Advantage plans from UnitedHealthcare are Part C plans, which combine Medicare Part A (hospital stays) and Medicare Part B (doctor visits). Part C plans are administered by a private company and often include Part D (prescription drug coverage) and routine vision, hearing, dental, and fitness coverage, which are not covered by Original Medicare.
AARP also offers Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company or one of its affiliated companies. These plans are available in most states and territories, and you must be an AARP member to enroll.
In addition, AARP provides dental insurance plans administered by Delta Dental, available in all 50 states and certain US territories. These plans offer annual deductibles as low as $40 and pay up to $1,500 annually.
AARP members can also access life insurance plans, with up to $50,000 in life-long coverage and guaranteed rates.
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Dental, vision, and short-term care policies
AARP offers dental insurance plans for its members and their families. The AARP Dental Insurance Plan is administered by Delta Dental Insurance Company, which pays royalty fees to AARP for the use of its intellectual property. The DeltaCare USA plan is an HMO plan where members pay a fixed dollar amount for each covered service. This plan has no deductibles or waiting periods, and members can get a refund within the first 30 days if they are not satisfied, as long as no benefits have been used. The DeltaCare USA plan is underwritten by Alpha Dental of Arizona, Inc.
The AARP Dental Insurance Plan is available in many states, including AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI, and WV. In AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI, and WY, the plan is insured by Dentegra Insurance Company, and in Massachusetts, it is insured by Dentegra Insurance Company of New England.
AARP also offers vision plans from VSP for its members and their families. These plans provide coverage for a range of vision-related services.
In addition to dental and vision plans, AARP offers short-term care policies through New York Life. These policies provide custom long-term care options that can be tailored to fit the specific needs and budgets of members and their families.
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Life insurance
AARP offers life insurance to its members, provided by New York Life Insurance Company. AARP members can access a range of life insurance benefits, including term life insurance and permanent life insurance. AARP's life insurance program is a good option for those who have pre-existing medical conditions or who would struggle to get life insurance elsewhere. None of AARP's policies require a medical exam, only health and other information.
AARP's term life insurance policies are one-year annually renewable policies, with death benefits ranging from $10,000 to $150,000. These policies are available to members between the ages of 50 and 74, and can be converted into permanent life insurance policies at any point during coverage. However, the rates for term life insurance are high and increase over time, and the coverage ends when the policyholder turns 80.
AARP's permanent life insurance policies offer a death benefit of $5,000 to $50,000. While this is enough to cover funeral costs and minor debts, it may not be sufficient to cover larger expenses such as a mortgage. These policies are available to members aged 50-80 and their spouses/partners aged 45-80.
AARP's life insurance program also offers whole life insurance coverage for minors and seniors, as well as group term policies. The rates for whole life insurance are reasonable, but the death benefit is limited to $50,000 or less, making it suitable only for final expense coverage.
Overall, AARP's life insurance program provides valuable protection and peace of mind for its members, with the convenience of no medical exam required. However, due to the limited death benefits and high rates, it may not be the best option for those seeking comprehensive financial protection for their families.
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Medicare Supplement Insurance Plans
AARP does offer insurance benefits to its members, including Medicare plans, life insurance, home, auto, and dental policies. These benefits are also available to non-members.
The benefits and coverage of Medigap plans vary, and individuals can choose a plan that best suits their needs. Plans A through G typically offer benefits at higher premiums with limited out-of-pocket costs, while Plans K through N are cost-sharing plans with lower premiums but higher out-of-pocket expenses. The availability of specific plans may differ depending on the state and eligibility requirements. For example, individuals under 65 who are eligible for Medicare due to disability or end-stage renal disease may have different plan options than those 65 and older.
AARP provides its members with access to Medicare Supplement Insurance Plans, also known as Medigap plans, through top insurance companies. These plans can help cover the gaps in Original Medicare, providing additional peace of mind and protection. Members can explore the various plan options, including the benefits and costs, to make an informed decision about their healthcare coverage.
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Medicare Advantage plans
AARP offers a range of insurance benefits, including Medicare plans. These are provided by UnitedHealthcare Insurance Company.
AARP Medicare Advantage plans are available to both members and non-members. They offer additional benefits not covered by Original Medicare. These plans can include coverage for prescription drugs, dental, vision, hearing, fitness, and more.
AARP Medicare Advantage plans give you the freedom to choose your doctor, and members have reported that they are satisfied with the range of specialists available to them.
AARP Medicare Supplement Plans (also known as Medigap plans) are also available from UnitedHealthcare. These plans help cover some of the out-of-pocket costs that Original Medicare doesn't pay for. They are the only plans of their kind endorsed by AARP.
Enrollment in AARP Medicare Advantage plans depends on the plan's contract renewal with Medicare. You can shop for AARP Medicare plans available in your area on the UnitedHealthcare website.
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Frequently asked questions
AARP offers several Medicare plans for members and non-members, provided by UnitedHealthcare. Typically, to apply for Medicare coverage, one must be a U.S. citizen or permanent resident age 65 or older. However, there are exceptions for those under 65 with a qualifying disability or end-stage renal disease.
AARP offers Medicare Supplement Insurance Plans, also known as Medigap, which help lower copayments, coinsurance, and deductibles under Medicare. They also offer Medicare Advantage plans, which are Part C plans that combine hospital stays (Part A) and doctor visits (Part B) and often include Part D (prescription drug coverage) and additional benefits like vision, hearing, dental, and fitness coverage.
Yes, AARP offers dental insurance plans administered by Delta Dental, available in all 50 states and certain U.S. territories. These plans can provide benefits such as annual deductibles as low as $40 and up to $1,500 in annual coverage.
Yes, AARP offers MyVision Care through EyeMed, a national network with over 54,000 retail locations. The plans range in price from $4.38 to $31.38 per month and include comprehensive eye exams, discounts on frames and lenses, and loss-of-sight and diabetic-vision benefits.
Yes, AARP offers life insurance plans with guaranteed acceptance and rates for members and non-members. Additionally, they provide short-term disability care and long-term care insurance options to help reimburse you for services needed to maintain your health and well-being.
