A male and female middle aged smiling couple looking at the computer

What Type of AARP Medical Plan Is Right For You?

HealthPlans of NC

AARP is a non-profit organization that aims to assist and advocate for individuals over 50 on issues relating to health security and financial stability. For qualifying individuals, it is helpful to stay informed on the different coverage plans available. By doing so, they can find a plan that is affordable and provides proper benefits.

What Are The Available Medical Plans For Members?

There are different insurance plans AARP members can enroll in. Each plan may have varying eligibility requirements.

Medicare Advantage Plans (Part C)

Medicare, a federal health insurance program, is available for individuals over 65, individuals with disabilities, and individuals with end-stage renal disease. Qualifying members can enroll in an AARP Medicare Advantage plan. This would cover Original Medicare, Part A (Hospital Insurance), and Part B (Medical Insurance). With this plan, you are required to visit in-network care providers. In addition, members may receive benefits such as $0 copayments on routine dental procedures and eye exams.

Prescription Drug Plans (Part D)

Medicare Part D, a prescription drug plan, differs from Original Medicare and must be enrolled separately. To receive coverage for prescription drug costs, you can sign up for AARP MedicareRX. However, there are different drug plans with varying formularies. Therefore, finding a plan that accommodates your medical needs is essential. You can speak to an agent at Health Plans of NC.

Dual Special Needs Plan (D-SNP)

For qualifying individuals, a Dual Special Needs Plan (D-SNP) can be an option to receive health coverage at an affordable price. To be eligible, you must be enrolled in Medicare and Medicaid. Many D-SNPs have a $0 monthly premium. Furthermore, they offer benefits such as transportation services, gym memberships, and medical alert systems.

Medicare Supplement Plans (Medigap)

To help pay for healthcare expenses, Medigap, a type of supplemental insurance plan, is available for qualifying members. However, if you are enrolled in Medicare Advantage, you are no longer eligible for Medigap. In addition, Medigap is sold by private insurance companies. Therefore, federal and state laws were enacted to protect enrolled members.

What AARP Medical Plans From Medigap Are There?

There are ten Medigap Plans: A, B, C, D, F, G, K, L, M, and N. AARP members are eligible for almost all Medigap plans. Each plan has different benefits and coinsurance percentages. In addition, costs may vary depending on the state in which you live.

What are the Benefits of Enrolling In Medigap For Your AARP Medical Plan?

If you enroll in Medigap through AARP, you may receive a plethora of benefits. As long as monthly premiums are paid on time, your coverage is guaranteed for life. 

Furthermore, you can visit any approved care provider. In addition, referrals are not needed to see a specialist. It may be beneficial to speak with an experienced insurance agent as they can differentiate the various Medigap plans. They’ll help you choose the most suitable plan for your needs.

When Should I enroll in Medigap for AARP medical plans?

Once you turn 65, you have a six-month open enrollment period to sign up for a Medigap Supplemental plan. It is important to note that you must already be enrolled in Medicare Part B. If you miss this window, you may be subject to higher fees. Monthly premiums will depend on your state of residence.

Want to Learn More? Contact Us!

If you want to learn more about AARP Medical Plans, please call us at 800-797-0327. Our team of licensed and experienced insurance agents would love to help you find an extensive and affordable plan.

Ready to get started?

See plans and pricing today.