AARP Medicare Advantage Plans
You can get so much more out of your Medicare plan with a Medicare Advantage policy. This medical insurance plan will provide you with coverage that’s way more extensive than a Medicare plan, and the AARP Medicare Advantage plans can provide that coverage for you through an insurance provider that you trust.
AARP sells a wide range of medical insurance plans for seniors, but their Advantage plans are definitely the biggest and most comprehensive ones. These are insurance plans that can help you to feel protected and that can give you peace of mind about your visit to the doctor, dentist, optometrist or hospital. You won’t have as much to pay out of pocket, and you can lower your overall costs for healthcare with one of these plans.
Compare Medicare Advantage Plans
What Is Medicare Advantage?
This is a question we hear from seniors fairly often. We know that there is some confusion surrounding various Medicare plans, and we’d like to clear up some of that right here. Medicare Advantage plans are high coverage medical insurance policies that are designed as a replacement for the Original Medicare plan. They give you coverage for almost all of Medicare parts A and B, and they cover any and all emergency medical care and urgently needed treatment.
Medicare Advantage can even cover seniors for their checkups they have throughout the year, such as their visits to the optometrist, dentist, general healthcare practitioner or hearing specialist. If after one of those visits, the senior is prescribed a hearing aid or a new pair of prescription glasses, then that can be covered by the Advantage plan as well. These Advantage plans are meant to be able to cover most medical expenses for seniors so that they have very little left that needs to be paid out of pocket.
How Much an Advantage Plan Costs
So, how much will you pay for your Medicare Advantage policy? If you get it through AARP, then you have to pay the price that AARP set. There isn’t a standard rate for one of these plans. The prices are completely up to the insurance companies like AARP that sell them. They can change the rates as they see fit too, but once you sign up for one of their Advantage plans, you will have your rates locked in for the next year. You won’t have to worry about the price changing on you suddenly and unexpectedly.
Your average Medicare Advantage plan will cost $45 a month for the premium. However, some premiums will not cost you anything, and you can find plans with a $0 monthly premium. You also have to meet the annual deductible, and that’s due each year before you get any coverage provided to you by your insurance plan.
If you want to know what the rates are for this plans, then you can check here on our site. The rates do change periodically, so keep checking back with us to make sure you have a good idea of what you’ll be paying. We can give you local rates for insurers like AARP and their competition. Using the list of quotes that we provide is a great way to compare plans and rates and find the best deal. This is how many seniors manage to save money on their medical insurance.
Compare Medicare Advantage Plans
Why Many Seniors Choose AARP
There are numerous insurance companies that sell Medicare Advantage, so what makes AARP a company worthy of your consideration and the consideration of many other seniors? In other words, when seniors looking to compare Medicare Advantage plans, what is it that causes them to pick AARP Medicare Advantage plans over another option? The answer tends to come down to two things- member perks and network coverage. It’s not pricing, usually, as AARP doesn’t tend to have the lowest rates. You can see that for yourself on our site. So, there has to be some other way they add value to their plans and make their insurance plan appealing to seniors.
AARP offers free member perks, which are bonuses that cost nothing extra and yet create a sense of value for the insurance plans. These are services that they offer free of charge, and they can include some of the following:
- Home drop-off of prescription medications
- 24-hour access to expert medical advice over the phone
- Personalized diet and exercise regimens
- Gym membership
- Escort for medical visits
- Discounts on nonessential medical services
These are just some of the perks that they offer, and these vary by location. You won’t always get that same list of perks everywhere you go. You also have to realize that a perk like gym membership may not guarantee that there is a gym near where you live that is part of AARP bonus membership program.
AARP is considered to be the finest provider of senior care services in the country, so they do know how to take care of their customers. They offer so many services that people are willing to pay a higher price for their insurance plans because of all the added value they get. The base premiums might be higher than they would be with another insurer, but the member could save money overall by benefitting from all of these perks.
The Network Advantage
We mentioned that another reason that people choose AARP over other insurers is because of their provided network. That is a key element with any Medicare Advantage plan. Your coverage area is limited by the network on which your insurer operates. If your insurer has agreements with only a few medical facilities around country, then it is unlikely that you will get coverage from your plan where you live. Your insurance company simply would not be accepted at most clinics and hospitals, and you would have to pay the full coverage of your plan for yourself.
Thankfully, AARP has an expansive network made up of so many healthcare professionals, pharmacies and various medical facilities that you can find network coverage with them pretty easily. A lot of healthcare facilities will honor AARP’s plans, so that adds value to their insurance policies as well.
AARP offers some different network opting for you to benefit from, such as the HMO, which is their most affordably priced Advantage plan. This covers you only on the network but has also price to make up for its limited coverage.
The PPO Advantage plan will cover you inside and outside of the network. It offers full coverage for when you are in the network getting your healthcare and partial coverage for outside of the network. You will pay a bit more for that.
There are some other network options as well, and they may not be available in all areas and may not be available to all seniors, so keep that in mind. If you need help deciding on one of the AARP Medicare Advantage plans, then please give us a call. We can answer your questions and help you find a plan that suits you. Don’t feel like there isn’t a coverage plan that is right for you. Let the health insurance experts guide you to an appropriate plan that you can feel good about enrolling in.