AARP Health Insurance: Everything You Need to Know

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If you’re approaching the age of retirement and live in the United States, you might be considering AARP health insurance as an option. AARP (American Association of Retired Persons) is a non-profit organization that offers many benefits to its members, including health insurance. In this article, we’ll explore what AARP health insurance is, what it covers, and how to qualify for it.

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What is AARP Health Insurance?

AARP health insurance is a health insurance policy offered to AARP members. AARP partners with insurance companies to provide its members with access to affordable health insurance options.

Currently, AARP health insurance is only available to people aged 50 and over.

What are the Benefits of AARP Health Insurance?

One of the biggest benefits of AARP health insurance is its affordability. Because AARP partners with insurance companies, it can offer its members discounts on health insurance premiums. Additionally, AARP health insurance policies often have lower deductibles and out-of-pocket costs than other health insurance policies.

Another benefit of AARP health insurance is that it offers a wide range of health care coverage. Depending on the policy you choose, AARP health insurance can cover doctor’s visits, hospital stays, prescription drugs, and more.

What are the Different Types of AARP Health Insurance?

AARP offers several types of health insurance policies to its members. These include:

Type of Policy
Description
Medicare Supplement Insurance
Provides coverage for out-of-pocket costs not covered by Medicare
Medicare Advantage Insurance
Combines Medicare Parts A and B and can include prescription drug coverage
Short-Term Health Insurance
Provides coverage for a limited period of time, usually six months or less
Medical Indemnity Insurance
Provides a fixed amount for covered services, regardless of the actual cost of the service
Dental Insurance
Provides coverage for preventative care, basic procedures, and major procedures

How to Qualify for AARP Health Insurance

To qualify for AARP health insurance, you must be an AARP member. Membership is open to anyone aged 50 and over, and costs $16 per year.

To apply for AARP health insurance, you will need to contact AARP or one of its partner insurance companies. You will be asked to provide information about your age, health, and any pre-existing conditions you may have.

Once you have been approved for AARP health insurance, you will be sent information about your policy, including your premiums, deductibles, and coverage options.

FAQ

Is AARP Health Insurance Affordable?

Yes, AARP health insurance is designed to be affordable for its members. Because AARP partners with insurance companies, it can offer discounted insurance premiums to its members. Additionally, AARP health insurance policies often have lower deductibles and out-of-pocket costs than other health insurance policies.

What Health Care Services Does AARP Health Insurance Cover?

AARP health insurance policies can cover a wide range of health care services, depending on the policy you choose. Some of the services that may be covered include doctor’s visits, hospital stays, prescription drugs, and preventive care.

Does AARP Health Insurance Cover Pre-existing Conditions?

It depends on the policy you choose. Some AARP health insurance policies may cover pre-existing conditions, while others may not. When you apply for AARP health insurance, you will be asked to provide information about your health and any pre-existing conditions you may have.

Can I Apply for AARP Health Insurance if I’m Under 50?

No, AARP health insurance is only available to people aged 50 and over. However, there are many other health insurance options available for people under 50.

Can I Keep My Doctor if I Switch to AARP Health Insurance?

It depends on your doctor and the AARP health insurance policy you choose. Some AARP health insurance policies may have restrictions on which doctors you can see, while others may allow you to keep your current doctor. When you apply for AARP health insurance, be sure to ask about which doctors and hospitals are in the policy’s network.

Conclusion

AARP health insurance can be an excellent option for people aged 50 and over who are looking for affordable health care coverage. With a variety of policies to choose from and discounts on insurance premiums, AARP health insurance can help you stay healthy without breaking the bank.

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