Orlando Harmon
AARP, formerly the American Association of Retired Persons, offers a range of insurance benefits to its members, including life insurance, home insurance, auto insurance, dental insurance, and Medicare plans. AARP Medicare Supplement Plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP. These plans are designed to cover some of the out-of-pocket costs that Original Medicare doesn't, such as copays, coinsurance, and deductibles. AARP members can also access auto insurance benefits, with savings of up to 10% on their premium and additional discounts. Furthermore, AARP Term Life Insurance allows members to apply for up to $150,000 of coverage without a medical exam, providing peace of mind and protection for members and their families.
| Characteristics | Values |
|---|---|
| Name | AARP Medicare Supplement Insurance Plans |
| Insurer | UnitedHealthcare Insurance Company |
| Availability | All 50 states, Washington, D.C., and most U.S. territories |
| Eligibility | People aged 65 and older enrolled in both Original Medicare Parts A and B. In some states, plans may be available to those under 65 who are eligible for Medicare due to disability or End-Stage Renal Disease. |
| Cost | Costs vary depending on the plan chosen. |
| Benefits | Covers some of the out-of-pocket costs that Original Medicare doesn't, including copays, coinsurance, and deductibles. Some plans offer coverage for travel outside the U.S. |
| Enrollment | Enrollment can be done online or through a licensed insurance agent/producer. |
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What You'll Learn
AARP Medicare Supplement Plans
AARP Medicare Supplement Insurance Plans are insured by the UnitedHealthcare Insurance Company and are available in all US states and territories, except for North Dakota and New York. In these two states, the plans are insured by the UnitedHealthcare Insurance Company of America and the UnitedHealthcare Insurance Company of New York, respectively.
The AARP Medicare Supplement Insurance Plans are the only plans of their kind endorsed by AARP. These plans meet the high service and quality standards set by AARP for its members. They are offered by private insurance companies to help pay some of the out-of-pocket costs that Original Medicare (Part A and Part B) does not cover.
AARP Medicare Supplement Insurance Plans offer low out-of-pocket costs, allowing you to pay a lower premium and pay out of pocket for care when you need it. You can also use your HSA to help pay for copays, coinsurance, and other out-of-pocket costs. These plans give you control, allowing you to travel within the US without worrying about networks or referrals.
To enrol in an AARP Medicare Supplement Plan, you must be an AARP member. Membership costs $20 per year, and you can access a range of insurance options, including life insurance, home, auto, dental, and Medicare plans.
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AARP Dental Insurance Plans
AARP offers a range of insurance benefits to its members, including dental insurance plans. The AARP® Dental Insurance Plan is administered by Delta Dental Insurance Company and is available to AARP members and their families. It offers individual or family coverage for the most common dental procedures, with plans starting at $27.80.
The Delta 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 is designed to provide flexibility and lower out-of-pocket costs, with a choice of Preferred Provider Organization (PPO) plans and a Dental Health Maintenance Organization (DHMO) plan.
The specific plans and pricing can be found on the Delta Dental website, and members can select a plan based on their preferred provider, budget, and location. Delta Dental also offers a satisfaction guarantee, providing a full refund within the first 30 days if a member is not completely satisfied with their plan, as long as no benefits have been used.
In addition to dental insurance, AARP offers life insurance, home insurance, auto insurance, and Medicare plans, providing peace of mind and protection for its members and their families.
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AARP Auto Insurance
AARP offers a range of insurance benefits to its members, including auto insurance. AARP Auto Insurance is provided by The Hartford, which has been offering exclusive discounts and benefits to AARP members since 1984.
AARP members can save up to 10% on their car insurance premiums with The Hartford, as well as receiving additional discounts for requesting a quote online or bundling auto and home policies. The Hartford also offers benefits such as Accident Forgiveness and Disappearing Deductibles, as well as highly-rated claims services. Members can also save on their membership to Allstate's Roadside Protection program.
In addition to cars and trucks, AARP members can access insurance coverage for almost any other type of vehicle, including motorcycles, boats, RVs, snowmobiles, and collectible vehicles. The Hartford's customer service representatives can help members compare auto insurance coverages and find the best option for them.
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AARP Life Insurance
In addition to life insurance, AARP offers a range of other insurance benefits for members and non-members, including home, auto, dental, and Medicare plans. These plans are designed to provide peace of mind and protection for individuals and their families. AARP also offers Medicare plans from UnitedHealthcare, which include Medicare Advantage plans and Medicare Prescription Drug plans.
AARP membership provides access to a range of auto insurance benefits, including savings of up to 10% on car insurance premiums and discounts for requesting quotes online or bundling auto and home policies. AARP members can also access insurance coverage for other types of vehicles, such as motorcycles, boats, RVs, and collectible vehicles.
AARP's life insurance program is endorsed by AARP and is the only life insurance program developed exclusively for AARP members. The program offers valuable coverage that individuals can trust, with guaranteed acceptance for up to $25,000 in lifelong coverage. AARP membership also includes access to members-only products, hundreds of discounts, a free second membership, and a subscription to AARP's magazine.
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AARP Medicare Advantage plans
Medicare Advantage (Part C) plans include all the benefits of Original Medicare (Parts A and B) and also include predictable prescription costs and additional benefits such as dental, vision, and hearing coverage. Many UnitedHealthcare Part C plans also include $0 annual physical exams, $0 lab tests, and $0 preventive care like mammograms and colonoscopies.
Medicare Advantage plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, which is a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare.
You can shop for AARP Medicare Advantage plans available in your area on the UnitedHealthcare website, where you can also find information about plan pricing. To find the right plan for you, you can enter your ZIP code and specify what you want most in a plan, such as included dental coverage, extra benefits, or low monthly premiums.
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Frequently asked questions
The AARP medical supplement insurance plan helps cover out-of-pocket medical expenses. The plans include Medicare Part D prescription drug coverage and Medigap.
The AARP Medicare Supplement plan covers some of the gaps left in Original Medicare coverage, including out-of-pocket costs such as copays, coinsurance, and deductibles.
The rates provided on the website only apply for the effective date requested and are based on the information entered. The actual rate will be determined upon acceptance and based on the answers to the questions on the application form.
You can enrol in an AARP Medicare Supplement plan during the Medigap open enrolment period. It starts the month a person turns 65 and is enrolled in Medicare Part B.
The AARP term life insurance plan allows AARP members to apply for up to $150,000 of coverage. No medical exam is required, just health and other information.
