Aarp Membership: Insurance Benefits

AARP membership offers a range of insurance benefits to protect your health, home, vehicles, and more. AARP is not an insurance company, but it does endorse insurance plans and its members have access to certain insurance products that carry the AARP name. These include life insurance, auto insurance, and Medicare insurance benefits. Members can also access dental, vision, and pet insurance. AARP membership costs $12 for the first year and includes a free second household membership and a subscription to AARP The Magazine.

AARP Medicare Supplement Insurance Plans

Medicare Supplement Insurance, also known as Medigap, is a private insurance policy that covers the out-of-pocket costs not covered by Original Medicare (Part A and Part B). This includes copayments, coinsurance and deductibles. Medigap plans do not cover prescription drugs, so you may need to enrol in Medicare Part D as well.

AARP offers nine types of Medigap plans (A, B, C, D, F, G, K, L, N) with varying levels of coverage. These plans are available across the US and Washington, D.C., and include additional benefits beyond the standard regulations.

The benefits of choosing an AARP Medigap plan include:

• No need to find a new doctor or shop for a new plan each year
• Avoid surprise out-of-pocket costs
• Your plan travels with you within the US
• No networks or referrals needed
• Guaranteed coverage for life as long as premiums are paid
• Gym membership at no additional cost
• Dental and hearing discounts
• Strong brand loyalty with a high rate of members renewing their plans each year

AARP Life Insurance Program

AARP membership offers a range of insurance benefits, including life insurance. The AARP Life Insurance Program is provided by New York Life Insurance Company and is the only life insurance program developed exclusively for AARP members.

The program offers term and permanent group coverage of up to $150,000, which ends at age 80. There is no medical exam required, but acceptance is based on health and other information. Members can also apply for permanent life insurance with coverage of up to $50,000 and no premium increases. Additionally, there is a guaranteed acceptance life insurance option with coverage of up to $25,000 and no premium increases.

AARP members can get an instant quote and apply online or by phone. The program provides peace of mind and added protection for members and their families. It is important to note that specific products and features may not be available in all states or countries, and online or phone applications may also be restricted in certain areas.

AARP membership provides access to a range of insurance benefits, including life insurance, which can help members secure their financial stability and protect their loved ones.

AARP Auto & Home Insurance Program

AARP members can benefit from the AARP Auto & Home Insurance Program from The Hartford, which offers exclusive savings and discounts on insurance.

AARP Auto Insurance Program

The AARP Auto Insurance Program from The Hartford offers members exclusive savings on car insurance, including up to 10% off their premium, discounts for requesting a quote online, and discounts for bundling auto and home policies. Added benefits include Accident Forgiveness and Disappearing Deductible, as well as highly-rated claims services. Members can get a no-cost, no-obligation quote online or by calling The Hartford.

AARP Home Insurance Program

The AARP Home Insurance Program from The Hartford offers members who own a house or condo savings and protection for their most valuable asset. Members can customize their coverage with benefits and services designed especially for AARP members, including "New for Old" Protection and Disappearing Property Deductible. Plus, members can save up to 20% when they bundle their home and auto policies. No-cost, no-obligation quotes are available online or by calling The Hartford.

Benefits of Bundling Home and Auto Insurance

Bundling home and auto insurance policies with The Hartford can lead to significant savings for AARP members. This option simplifies insurance management, allowing members to handle changes and claims through a single carrier and potentially a single online account. Additionally, bundling enables insurance professionals to better understand members' needs and provide tailored coverage.

AARP Dental Insurance Plans

AARP membership comes with a range of benefits, including access to dental insurance plans. The AARP® Dental Insurance Plan is administered by Delta Dental Insurance Company and insured by Dentegra Insurance Company, Delta Dental Insurance Company or affiliate companies.

The AARP dental plan offers comprehensive coverage for individuals and families, with no waiting periods for preventive services. Members can choose their own dentist and are given access to a large network of dental care providers. The plan covers the most common dental procedures, including root canals, crowns and dentures, periodontics, fillings, and cleanings.

With AARP dental insurance, members can lower their out-of-pocket dental costs and have more predictable expenses. This is especially beneficial for seniors, who often face high out-of-pocket costs for dental care as it is not typically covered by Medicare.

AARP Vision Plans

AARP membership offers a range of vision benefits and discounts. The AARP® Vision Plans from VSP™ are exclusive vision insurance plans designed for members and their families. Members can choose from one of four vision plans, all of which include an annual eye exam, glasses, and lens enhancements such as progressives and anti-glare coating.

AARP also offers vision discounts provided by EyeMed. Members can present their AARP membership card at participating eye doctors or retail locations to receive savings on prescription eyewear for themselves and their families. This includes savings on prescription lenses with the purchase of a frame, non-prescription sunglasses, and contact lenses.

In addition to vision benefits, AARP membership provides access to a wide range of other benefits, including discounts on hotels, groceries, meal delivery services, and online gift retailers. Members also receive a free subscription to AARP The Magazine and earn 50% more points in the AARP Rewards Program.

Frequently asked questions