AARP Medicare Complete 2021
One of the most comprehensive kinds of Medicare Advantage plans that seniors can enroll in is AARP Medicare Complete. This powerful health insurance plan will cover you for all sorts of healthcare costs that seniors experience, driving down their out-of-pocket expenses and helping them to save money on medical care for the year.
Medicare Complete is offered by United Healthcare, as part of a partnership that AARP and United Healthcare have together for now. These companies give their members a variety of perks to add value to the plans, and they offer seniors a large network coverage area, which means that it is easier to get full coverage from the plan in more places.
Who Can Enroll?
Like other kinds of Medicare Advantage plans, Medicare Complete is reserved for those seniors who are 65 or older or who are collecting disability in states where disability is allowed. You also need to be eligible for Medicare parts A and B, and you need to have a basic Medicare plan, called Medicare Original.
You also want to make sure that you have no conflicting coverage, as any Medicare Supplement (known as Medigap), any employer-based healthcare plan and any health insurance from a union will likely overlap and conflict with Medicare Complete. This is true of any Medicare Advantage plan. Ensure that your current coverage does not overlap before you enroll in one of these plans.
You are allowed to sign up around your 65th birthday, and if you apply at that time, then you don’t have to worry about paying a higher rate due to a preexisting medical condition. You also don’t have to worry about your application being denied because of your health.
If you apply during annual enrollment from October 15th and going until December 7th, then your preexisting medical conditions can weigh in and affect your application and your rates.
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How Medicare Complete Covers You
You should know what this health insurance plan can do for you. It will cover you for most of your Original Medicare benefits, like the Medicare Part A and Medicare Part B coverage for nursing care, at-home healthcare, hospital stays, trips to the doctor’s office, lab tests, emergency room care and more. It also covers any remaining emergency medical services and all care classified as urgent care. This means that all ambulance services, lifesaving treatment and even some medications are covered.
On top of that, Medicare Complete will provide medical benefits for prescription drugs, wellness programs and herring exams. A lot of your checkups and healthy living services will be included, as will most name brand and generic medications. This gives you such comprehensive medical coverage that it is no wonder this health insurance plan is called Medicare Complete.
Extra Benefits from AARP and United Healthcare
Because you get this insurance plan from United Healthcare, you get all the member benefits that they have to offer. Here are a few of them that you can enjoy:
- Gym membership
- Prescription discounts
- Healthy living programs
- Low monthly premiums
- Financial counselling
- Prescription drug drop-offs
- Telehealth services (talk to a doctor over the phone 24 hours a day)
Some of these services may not be available where you are located, and there may be others besides these based on where you live. You can talk to an AARP or United Healthcare insurance agent of to find out specifics about member perks, but these are generally offered as part of the AARP Medicare Complete plan without any additional cost to you.
United Healthcare has agreements with more than 65,000 pharmacies located across the United States, as part of its PharmacySaver program. Because this company is so big, you can get coverage and benefits just about anywhere.
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Four Kinds of Medicare Complete Plans
There is actually a lineup of plans that fall under the classification of Medicare Complete. All of these offer the coverage we talked about and the benefits listed above. How they differ is how they cover you based on whether you go to a network medical facility for care or to a non-network facility.
AARP’s network consists of any clinics, doctors, pharmacies and hospitals that have agreements with AARP. Those healthcare facilities and providers have agreed to honor the Medicare Complete plans that AARP and United Healthcare are selling.
The HMO plan is probably the most basic and simplest kind of plan available. It only covers you inside of AARP’s network of providers. This is the cheapest one as well, so most people will opt for that, if they live in the network coverage area.
What do you do if you live outside the network area, though? AARP has some options for you. You can choose point-of-service plans, or POS plans. These cover you fully in the network and then give you a discounted price for any service received outside the network. You will pay a higher monthly premium for POS plans than for HMO plans.
For an even higher price, you can get a PPO plan. This will allow you to receive partial insurance coverage outside of the network and then full coverage inside the network of providers. This is the most comprehensive plan you can get and is ideal for those who don’t live near a network facility.
A private fee-for-service plan is the other option. This gives you a whole lot of flexibility, and it will allow you to choose where you want to go for treatment, so long as that doctor accepts Medicare.
You can choose your plan based on your finances and what you are able to afford. You can check the prices of the plans right here on our site, and we will also show you a list of other insurance plans that are similar that are available in your area. You can see how the AARP Complete plans compare to various Advantage plans from other insurance providers. This will help you to make an informed choice and let you choose the most affordable option.
Medicare Complete gives seniors a way to get most of their medical expense covered. You’ll have to decide if it is right for you. It may provide too much insurance coverage for some people, and if that is the case for you, then there are other options available even from AAP. You can choose Advantage plans with just basic coverage to include benefits for Medicare parts A and B, as well as for emergency medical care and urgent care. As a senior, you can also enroll in Medicare Supplements or simply the basic Medicare plan. If you would like to know more about your options, what you are eligible for and what might work best for you, then please give us a call. We will answer your questions and help point you toward the right choice for your situation.
AARP Medicare Complete is one of the most exhaustive health insurance plans out there. It is designed for seniors who want peace of mind from their medical expenses and who want to pay very little out of pocket. Check the rates for these plans here on the website and see if it is something that you can afford. It may surprise you how competitively priced these health insurance plans are.