Benefits of Having AARP Health Insurance Coverage

AARP is a non-profit organization that has been in existence for over fifty years. AARP’s mission is to provide low-cost health insurance coverage for seniors. AARP is an active and powerful Washington health care lobbying group that negotiates with large insurance companies to provide affordable group benefits and member discounts. Choosing AARP health insurance coverages has many benefits.

• Eligibility - AARP offers a wide variety of health care options with eligibility open to anyone over the age of 50 and their dependents. Additional plans are available for seniors 65 and above who may have limited Medicare or retirement coverage. All plans are medically underwritten and provided through AARP in 32 states.

• Types of benefits - AARP offers several different health plans until the age 64. Those plans include Premier PPO Plans with Aetna, high deductible health plans compatible with Health Savings Accounts (HSA), and Preventative Hospital plans, which are the most affordable since they cover only hospitalization and outpatient surgery.

• Flexibility - Their health plans have unusual medical underwriting guidelines and flexible general plan designs to fit various needs at competitive rates. After a member reaches age 65, they have the opportunity to continue with AARP and sign up for other products underwritten by United Healthcare without the concern of rejection. For members over the age of 65 the options are Basic Medicare, Medicare Advantage, Medical Supplemental Insurance - Medigap, Medicare Part D Prescription Drug Plans, and AARP Long Term Care Insurance with Genworth Financial.

• Unique advantages- AARP is highly tolerant of medical conditions like high blood pressure, high cholesterol, and weight issues. Members are more likely to qualify for affordable coverage without being turned down for common conditions. Medical history is examined closely based on pre-existing conditions spanning the previous five years rather than the traditional ten years. If an employer does not offer full family coverage, members have the option of insuring themselves, their spouse or domestic partner, children and grandchildren.

• Other important benefits- Other benefits include behavioral health, substance abuse, and separate deductibles for in-network and out-of-network coverage. In addition, their vast array of health product discounts as well as gym memberships are very popular with all members.