Comprehensive Guide to AARP Medicare Advantage Options

The American Association of Retired Persons (AARP) is a nonprofit organization dedicated to empowering seniors to enhance their quality of life as they age. While AARP does not sell insurance directly, it connects its members with specialized health plans tailored for retirees. These plans help fill the gap left when employer-sponsored healthcare benefits end post-retirement. AARP's partnerships with leading insurance carriers enable it to offer affordable and reliable health coverage options, making it easier for seniors to access the care they need.

How Does AARP Support Seniors?
AARP members gain access to a broad selection of health insurance plans at discounted rates, provided by financially stable, top-rated insurers. The organization’s mission is to enhance senior well-being by facilitating access to quality healthcare options. After retiring and losing employer-based benefits, AARP simplifies the search for affordable insurance through its partnerships, ensuring members receive coverage suited to their needs.

AARP and UnitedHealthcare Medicare Advantage Plans
AARP collaborates with UnitedHealthcare to offer Medicare Advantage plans to its members and non-members alike.

The Medicare Advantage plan (Part C) combines the benefits of Original Medicare (Part A and B) with additional features like prescription drug coverage and dental care, which are not included in standard Medicare. AARP provides various Medicare Advantage plans, including:

Coordinated Care Options
These plans typically require members to choose a primary doctor and stay within a network of providers. They include:

HMO Plans: Require using in-network providers and may need referrals for specialist care. Prescription drug coverage is available, but coverage details vary.

PPO Plans: Offer more provider flexibility, allowing visits outside the network at a lower cost without requiring referrals. Prescription plans are also available.

POS Plans: Combine features of HMO and PPO plans, giving members choice and some provider flexibility.

Specialized Medicare Plans
These cater to individuals with specific health or financial needs, offering additional benefits like transportation, vision, dental, and medication coverage. Major types include:

Dual-Eligible SNPs: For individuals eligible for both Medicare and Medicaid.

Chronic Condition SNPs: Designed for those with severe or ongoing illnesses.

Institutional SNPs: For residents in nursing facilities.

Institutional-Equivalent SNPs: For those in assisted living with similar care needs.

Additionally, PFFS and MSA plans offer alternatives with flexible provider choices and savings options. It’s important to note that AARP partners with reputable insurers like UnitedHealthcare rather than selling insurance directly.