Alyssa Lane
AARP is a membership service that provides a range of benefits, including insurance and fraud protection. For $15 for the first year, members can access members-only products, hundreds of discounts, a free second membership, and a subscription to AARP's magazine. AARP also offers Medicare plans from UnitedHealthcare, which include Medicare Advantage plans and Medicare Prescription Drug plans. These plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies. AARP is also fighting for better Medicare and LTC insurance, providing state guides and assistance services, and helping members develop caregiving plans.
| Characteristics | Values |
|---|---|
| Membership fee | $15 for the first year with automatic renewal |
| Benefits | Instant access to members-only products, hundreds of discounts, a free second membership, and a subscription to AARP the Magazine |
| Insurance | Dental insurance plans, Medicare plans, and fraud protection |
| Medicare plans | Medicare Advantage plans and Medicare Prescription Drug plans insured through UnitedHealthcare Insurance Company or one of its affiliated companies |
| Enrollment | Enrollment in Medicare Advantage or Prescription Drug plans does not require AARP membership |
| Medicare Supplement Plans | Provided by UnitedHealthcare Insurance Company, subject to geographical availability, and may be discontinued at any time |
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What You'll Learn
Medicare Advantage plans
AARP Medicare Advantage plans are offered by UnitedHealthcare, the nation's #1 provider of Medicare plans. These plans are available to AARP members and non-members and do not require AARP membership to enrol.
The AARP Medicare Advantage plans also provide access to Medicare Advantage's largest national provider network, allowing you to choose your preferred healthcare provider. Additionally, you can earn rewards for physical activity, annual wellness visits, and more.
These plans may be available to individuals under 65 who are eligible for Medicare due to disability or End-Stage Renal Disease, depending on the state.
To learn more about AARP Medicare Advantage plans and find the one that best suits your needs, you can visit the UnitedHealthcare website or consult with a licensed insurance agent/producer.
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Medicare Prescription Drug plans
AARP offers Medicare Prescription Drug Plans, also known as Medicare Part D plans, to help cover the cost of generic and brand-name prescription drugs. These plans are available to both AARP members and non-members, with plans and pricing detailed on the UnitedHealthcare website.
AARP Medicare Rx Preferred from UHC (PDP) is one such plan, which offers a $35 monthly cap on covered insulin drugs, excluding the Catastrophic drug payment stage, where you pay $0. This plan is not available in Guam, American Samoa, the U.S. Virgin Islands, or the Northern Mariana Islands.
AARP also offers an all-in-one Medicare Advantage Prescription Drug (MAPD) plan, which combines doctor, hospital, and prescription drug coverage. This plan includes dental coverage, extra benefits, and low monthly premiums.
Additionally, starting in 2025, those who spend over $2,000 on covered Part D prescription drugs annually may benefit from the Medicare Prescription Payment Plan. This plan spreads out-of-pocket prescription drug costs over the remainder of the calendar year.
AARP provides tools and support to help individuals find the right UnitedHealthcare Medicare plan for their needs. However, it is important to note that plan recommendations are based on the information provided by the individual, and disenrolment or plan changes are subject to Medicare regulations and laws.
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Medicare Supplement Plan
AARP Medicare Supplement Insurance Plans are provided by UnitedHealthcare Insurance Company. These plans are designed to help cover some of the out-of-pocket healthcare costs that Original Medicare (Part A and Part B) does not pay for.
The AARP Medicare Supplement Insurance Plans offer a range of benefits, including low out-of-pocket costs, coverage options, and the freedom to choose your doctor. These plans are available in most states, although the specific plans and pricing can vary depending on your location.
To enrol in an AARP Medicare Supplement Plan, you must be an AARP member. Membership costs $15 for the first year with automatic renewal and provides access to members-only products, discounts, and a subscription to AARP's magazine.
It is important to note that AARP and its affiliates are not insurers, and AARP does not employ or endorse agents, brokers, or producers. The insurers of the plans pay royalty fees to AARP for the use of its intellectual property, and these fees are used for the general purposes of AARP.
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Dental Insurance Plans
AARP (formerly known as the American Association of Retired Persons) offers a range of insurance plans for its members, including dental insurance. The AARP Dental Insurance Plan is administered by the Delta Dental Insurance Company and is available for individuals or families.
The AARP Dental Insurance Plan offers coverage for the most common dental procedures, including preventive, basic and major services, such as dentures. Some plans may also cover other services like teeth whitening, implants, and orthodontics. The plan is available in various states across the US, including Arizona, California, Florida, Georgia, Illinois, Kentucky, Maryland, Missouri, New Mexico, New York, Ohio, Pennsylvania, Tennessee, Texas, and West Virginia.
The Delta Dental Insurance Company provides access to a large network of dentists, ensuring care is available when and where it is needed. The plan offers flexibility, with a choice of Preferred Provider Organization (PPO) plans and a Dental Health Maintenance Organization (DHMO) plan. PPO plans offer more flexibility, while DHMO plans offer more predictable costs.
AARP members can find details about plans and prices in their area by entering their ZIP code, the number of family members to cover, and the desired coverage start date. Prices vary depending on plan type, location, the number of dependents, and payment frequency.
The Delta Dental Insurance Company is financially responsible for its products, and AARP members can be assured that these companies are not insurers. Members can also request a full refund within the first 30 days if they are not satisfied with their plan, as long as no benefits have been used.
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LTC Insurance
Long-term care LTC insurance is an important aspect of financial planning for the future. LTC insurance provides coverage for long-term care services, which may be required if an individual needs assistance with basic daily activities such as bathing, dressing, eating, or transportation. LTC insurance is not limited to nursing home care but also includes home care services, assisted living, adult day care, and other options.
The traditional LTC insurance policies, sold in the 1980s, only covered nursing home care. However, over the years, insurers expanded their coverage to include a range of services. Today, LTC insurance policies may limit what conditions they cover, and it is not unusual for policies to deny care for conditions such as alcoholism, drug addiction, or war injuries. Additionally, while a pre-existing condition may not prevent an individual from obtaining a policy, the policy may not cover care related to that condition initially.
When purchasing LTC insurance, it is important to understand that these policies work similarly to auto or home insurance. Individuals pay premiums, usually for as long as the policy is in effect, and can make claims if they need the covered services. If an individual stops paying the premiums before needing the coverage, they typically lose the coverage. The premiums for LTC insurance can increase over time, and only a few companies sell these policies today, offering more limited coverage periods at higher prices.
It is advisable to start planning for long-term care needs as early as possible. AARP provides expert advice, tools, and resources to help individuals make informed decisions about their long-term care. AARP also offers state guides, assistance services, and prepare-to-care guides to support individuals in developing a comprehensive caregiving plan.
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Frequently asked questions
AARP provides Medicare plans from UnitedHealthcare, including Medicare Advantage plans and Medicare Prescription Drug plans. These plans have eligibility requirements, exclusions, and limitations. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.
AARP members get instant access to members-only products, hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.
AARP membership costs \$15 for the first year when you sign up for automatic renewal.
