AARP Medicare Plans 2020
AARP is one of the top medical insurance providers in the country. They offer non-profit services for seniors as well as paid services and insurance plan subscriptions. The AARP Medicare plans for 2020 are able to save some seniors hundreds of dollars a year on their healthcare, and if you think you might benefit from a better insurance plan and greater coverage, then you may want to take a look at what these plans have to offer.
AARP Advantage Plans
One kind of Medicare plan that we want to look at is Medicare Advantage, which is also known by the name Medicare Part C. It has been designed by Medicare to be a major medical plan with high coverage, able to take the place of multiple smaller plans and provide you with more streamlined, consolidated coverage that saves you money over other kinds of plans.
Some Advantage plans can cost as little as $0 per month, but you do need to meet the annual deductible. The average price is about $65 a month, though the price varies by state, and AARP can charge more than some of the other insurers because of all the perks it packages with its plans. Be sure to source some quotes on our site before you choose a plan. You can find out what the average price is for the kind of plan you are looking for and then see which insurer has the best deal. You can see how AARP compares to other insurers on these plans and see if they are your most affordable option.
One thing to keep in mind with AARP is that their Medicare plans tend to be packed with extra services that don’t cost you anything beyond the monthly premium and the annual deductibles. They can give you gym membership, exercise plans, 24-hour access to professional medical advice, prescription drug drop-offs at your home, transport to medical appointments and more.
Their Advantage plans follow the guidelines set by Medicare. This includes standardized coverage that all plans must include, such as cover for Medicare parts A and B, cover for ambulance transport, ER care, and any medical services considered to be urgently needed. All of this is standard coverage that can be found in each and every AARP Medicare Advantage plan.
Some of the AARP Medicare Advantage plans will also include coverage for medical expenses that they are not required to cover by Medicare. This could be a Medicare Part D plan included in the Advantage plan, cover for routine checkups and some services related to vision and hearing.
AARP has a large network of hospitals, rehab centers, pharmacies and such that it does not own but that it has partnerships with. These are places that will honor its Advantage plans. If you go outside of their network for medical care, then your AARP Advantage plan will not be able to provide you with full coverage. AARP does offer you some options to help you plan for times when you may be outside their network and need treatment, though.
They have PPO Advantage plans which will cover you partially off the network. These also cover you entirely while you are receiving treatment within the network. For a cheaper alternative, you can try the Medicare Advantage HMO plans. These will cover you only on the network, and they cost much less than the PPO plans.
AARP Supplement Plans
Another kind of AARP Medicare plans for 2020 that we want to discuss with you would be the Medicare Supplements. These will work perfectly alongside your Original Medicare plan, and they will help you to pay less out of pocket, since they cover many of those expenses related to Original Medicare that Original Medicare does not cover.
We are talking about annual deductibles, per-visit copayments, coinsurance costs related to hospice care and nursing care, excess charges for Medicare Part B services, three pints of blood each year (giving you full coverage for blood use when combined with Original Medicare) and foreign travel exchange costs for emergency medical transportation. All of these can be covered by Medicare Supplements.
There are eight distinct Medicare Supplements, along with some high deductible versions of some of them. These each come with standardized coverage that AARP cannot alter. AARP will only sell a few of the plans, and it will decide which ones it wants to sell, and it may change the lineup from time to time.
Supplement plans will conflict with Medicare Advantage, as well as with most kinds of healthcare plans that come from employers, unions or trust funds. When two health insurance plans overlap, their coverage is going to conflict, as you will be paying for two of the same coverage items at once. You’ll have to choose between one plan or the other.
Why Buy with AARP?
AARP is a health insurance provider that we recommend because of their great customer service and their bevy of customer perks. They offer more senior-focused services than any other healthcare insurer out there, and they have been doing that for decades. Their prices are not always going to be the cheapest, but that’s because they pack so much value into their plans, so you are definitely not going to be short changed if you sign up for a plan with them.
Advantage plans and Supplements plans offer you incredible value and a way to save hundreds of dollars a year on your healthcare, and when you buy through AARP, you can enjoy the company’s stability and vast resources that work to your benefit.
We believe AARP Medicare plans for 2020 are worth a look for every senior. If you are happy with your current coverage, you may still find that you could be getting more with another plan from a different provider. If you are unhappy with your coverage, then they not check out the rates for AARP plans and what they have to offer? You may just find peace of mind by signing up with them for one of their Medicare plans.
Compare Medicare Advantage for 2020