Most insurance companies offer their own set of Medicare supplement plans. They may not all offer every plan, and they certainly don’t all charge the same prices, but they all have to offer the same coverage. Here we will take a look at AARP Medicare supplement plans for 2016.
These are the same plans as you will find anywhere else. They may have the added benefit of AARP’s excellent senior services, but the coverage they are providing is exactly the same as you would get from any other provider. And they offer all the plans that Medicare regulated.
Medicare Supplement Plan F
These include the full coverage Plan F that covers all supplemental charges. Medical expenses under Plan F’s umbrella include nursing care, hospice care, hospitalization, all co-payments, all deductibles, additional blood and a foreign emergency medical travel benefit.
AARP Does Not Offer Plan G
If you went with a slightly lower coverage plan like G, you would be covered for everything except a Medicare Part B deductible. Although AARP does not offer a Plan G at this time, you should absolutely get quotes on our website for Plan G from other carriers if you’re considering any plan from AARP. You will almost always save money by going with Plan G over Plan F, and they’re nearly identical in benefits!
Medicare Supplement Plan N
Plan N would require that you pay the annual Part B deductible just like Plan G, however with Plan N you might have some small co-pays per doctor’s visit after you meet this deductible. These co-pays will never be more than $20 per doctor’s visit. Also using Plan N if you visit an emergency room but are not admitted for care, you will have to pay a $50 co-pay at that time. Plan N also does not cover Part B excess charges.
When comparing all the normal Medicare supplement plans from AARP in 2016, the most noticeable difference will come in the premiums. It’s a good idea to compare premiums between providers to see which one is offering the best deal, since they all have the same coverage.
AARP has long been a trusted name in senior services. Insurance is just one of the many avenues by which they serve seniors and retire es. So if you want an insurance company that offers a variety of services catered to your needs, then United Healthcare insurance through AARp could be a good fit. Since coverage won’t change across varying carriers, it should be the cost of premiums and the kind of service you will receive that have the most impact on your decision.
AARP Medicare Supplement Plans in 2016 may be the same as every other company, but the benefits of being part of the organization gives many seniors great comfort.