AARP Medicare Insurance Plans: What Are Your Options?

If you are one of the estimated 40 million members of AARP and you are of age to sign up for Medicare, you should take a look at the various choices of Medicare solutions available through the organization. AARP offers a range of services including traditional supplement insurance plans, Medicare advantage plans and a Medicare prescription drug plan. It is important for you to know the difference between the various choices so you can make an informed decision.

First we will take a look at the complete solution which is known as a Medicare Advantage plan. The specific plan for AARP members is called AARP MedicareComplete. Provided by SecureHorizons, this plan replaces your existing Medicare part A coverage, supplement insurance plus integrates a drug plan.To be eligible, you must be enrolled in both Part A & B of Medicare.This plan offers extended coverage of some items not covered by traditional Medicare A & B. With this plan, your out-of-pocket expenses may actual be less than the traditional choice. Some highlights of the MedicareComplete plan include a network of more than 60,000 pharmacies that accept the coverage, low monthly premiums, predictable medical costs, a massive network of in-network physicians and providers and coverage for 1200 plus brand name prescription drugs.

The next program offered by AARP is supplement insurance or Medigap. This program is managed by United Healthcare and it serves to help cover coinsurance costs not paid by your primary coverage under Part A & B. The actual coverage will depend on the area of the country in which you reside. Some of the benefits of this plan include multiple plan options, competitive rates and more.

The final AARP Medicare solution is called AARP MedicareRX. It is the plan that provides coverage under Medicare Part D. It includes many popular benefits such as plans with no annual deductibles, 90-day supply prescriptions, free shipping and more. The AARP MedicareRX plan is also managed by United Healthcare. With its vast membership, this plan reportedly has saved members over $15 billion in prescription drug costs.

Depending on your situation, one of these plans may be right for you. It is important to consult with an insurance advisor if you have questions or need recommendations on which type of plan is best for you.

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