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AARP Medicare Plans

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AARP Medicare Plans 2016-12-23T19:05:45+00:00

AARP Medicare Plans

aarp medicare plansAARP Medicare Plans are insured by UnitedHealthCare Insurance Company and iHealthBrokers Medicare Advisors is an authorized insurance broker to help you compare and enroll in an AARP Medicare Plan.

AARP Medicare Plans offers 3 types of coverage.

  1. AARP MedicareRx Prescription Drug Plans
  2. AARP Medicare Advantage Plans
  3. AARP Medicare Supplement Plans

We can enroll you in any of these plans. Unfortunately, AARP doesn’t allow brokers to show their plan pricing online. In order to get a quote, you will need to call us at (866) 260-9829. We can generate a quote and email or mail it to you and help you enroll by phone.

AARP Medicare Plans have a few unique advantages for individuals who are no longer in the open enrollment and guaranteed issue periods. If you have had trouble qualifying for other plans, an AARPMedicarePlan may be an option for you.

AARP Medicare Plans have simplified issue medical questions. In most states, as long as the 2 questions below are a no, you acceptance is guaranteed.

  1. Do any of these apply to you?
    • within the past two years, a licensed member of the medical profession provided medical advice or treatment for:
      • end stage renal (kidney) disease
      • kidney disease that may require dialysis
    • currently receiving dialysis
    • admitted to a hospital as an inpatient within the past 90 days
  2. Within the past two years, has a licensed member of the medical profession recommended any of the following treatments for a medical condition, and that treatment has NOT been completed?
    • hospital admittance as an inpatient
    • organ transplant
    • back or spine surgery
    • joint replacement
    • surgery for cancer
    • heart surgery
    • vascular surgery

Again, in most states, these are the 2 knock out questions for AARP Medicare Plans, so if you answer no to both, you’re able to get a plan.

AARP Medicare Plans Passport Program

The AARPMedicarePlans Passport Program is a very neat benefit to their plan offerings. If available in your area, it allows you to travel up to 9 months straight out of the year and use the available providers in other states while you’re traveling.

You can access all the benefits you enjoy at home while you travel within the UnitedHealth Passport service area which is available in over half the country. Great for long road trips or those who winter away from home, the coverage is effective for up to nine straight months. You pay the same co-pay or co-insurance as you would at home for non-emergency care, including preventive care, specialist care and hospitalizations. Emergency care is already covered worldwide with all of our Medicare Advantage plans.

How the UnitedHealth Passport program works.

  • Activate your coverage before your trip. Simply call the Customer Service number on the back of your member ID card. Have your destination’s address and ZIP code on hand. Customer Service can activate the benefit and help you find contracted doctors in your travel destination area.
  • Bon voyage. Enjoy peace of mind, as well as new scenery, during your time away.
  • Because Passport can only be used for nine months in a row, be sure to let us know when you return home so we can deactivate the benefit.

AARP MedicareRx Prescription Drug Plans

AARP Medicare prescription drug plans. A simple way to get prescription drug coverage.
Original Medicare Parts A and B doesn’t include prescription drug coverage. And you don’t automatically get prescription drug coverage when you sign up for Medicare. Some Medicare Advantage plans include prescription drug coverage. But you can also get Part D drug coverage in a standalone AARP Medicare prescription drug plan.

Two types of plans. Two simple ways to get prescription drug coverage.
The AARP® MedicareRx Plans insured through UnitedHealthcare offer two types of prescription drug plans (PDPs):

  • $0 deductible2 plans to help you save money from your first prescription fill
  • $360 deductible plans that can give you peace of mind even if your health changes.

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All plans include coverage for thousands of commonly used generic and brand name prescription drugs, but offer slightly different coverage and drug lists. You can take advantage of members-only savings by filling your prescriptions at a pharmacy in the Preferred Retail Pharmacy Network, including these retail locations:

And when you choose the convenience of home delivery from OptumRx®, you could enjoy $0 co-pays for a 90-day supply of Tier 1 and 2 medications.3

Here are the two AARP MedicareRx plans offered through UnitedHealthcare.

2016 AARP MedicareRx Saver Plus (PDP) 2016 AARP MedicareRx Preferred (PDP)
What You Get Coverage for most commonly used prescription drugs. Good value with robust drug coverage.
Annual Deductible    $360 $02
Drug List    Includes most generic and many commonly used brand name drugs covered by Medicare Part D.
Coverage Gap You pay no more than 58% of the total cost for generic drugs or 45% of the total cost for brand name drugs, for any drug tier during the coverage gap.
Preferred Retail Pharmacy  Network    Co-pays as low as $13 when you fill your prescription at a Preferred Retail Pharmacy Network1pharmacy. Co-pays as low as $2 when you fill your prescription at a Preferred Retail Pharmacy Network1pharmacy.
OptumRx® Home Delivery $0 co-pay for a 90-day supply of Tier 1 and Tier 2 medications (typically generic drugs).
Note: $0 co-pay is applicable for tier 1 and tier 2 medications during the initial coverage phase and may not apply during the coverage gap; it does not apply during the catastrophic stage.
Includes $0 co-pay for a 90-day supply of Tier 1 and Tier 2 medications (typically generic drugs).4
Note: $0 co-pay is applicable for tier 1 and tier 2 medications during the initial coverage phase and may not apply during the coverage gap; it does not apply during the catastrophic stage.

1Not all plans available in all areas. The Preferred Retail Pharmacy Network is not available for the AARP MedicareRx Preferred (PDP) plan in the following territories: Guam, American Samoa, U.S. Virgin Islands or Northern Mariana Islands. Co-pays apply after deductible.

2The 2016 AARP MedicareRx Preferred (PDP) plan will have a $360 deductible in the following territories: Guam, American Samoa, U.S. Virgin Islands, Puerto Rico and Northern Mariana Islands.

3$1 co-pay applies to Tier 1 preferred retail pharmacy prescriptions. Co-pays may vary by state.

4OptumRx home delivery is not available for the 2016 AARP MedicareRx Preferred (PDP) plan in the following territories: Guam, American Samoa, U.S. Virgin Islands or Northern Mariana Islands. Co-pays apply after deductible.

AARP Medicare Advantage Plans

Why An AARP Medicare Advantage Plan?

One plan. One simple way to get coverage.
The Part A benefits of Medicare Advantage (MA) plans include hospital stays, skilled nursing care and home health care. MA plans also cover all the benefits of Part B, including doctor visits, outpatient care and preventive services. Many also include benefits like routine hearing and vision care, a fitness program, wellness services or a nurse helpline. An MA plan might be a good choice if you’d like coverage beyond what Original Medicare provides, but don’t need prescription drug coverage.

One plan. One card. One simple way to start living healthier.
With a Medicare Advantage Prescription Drug plan (MAPD), you get Part A coverage, Part B coverage and Part D prescription drug coverage in one convenient plan. An MAPD plan might be a good choice for you if you like the benefits offered by an MA plan, but also need prescription drug coverage.

One company. Many plans. Find the one that may be a good fit for you.
AARP® MedicareComplete® plans are insured through UnitedHealthcare. All plans offer combinations of benefits and features designed to fit a wide variety of budgets and healthcare needs.

Learn More About the AARP Medicare Advantage Plans in Your Area by calling us toll free: (866) 260-9829.

Here are the three types of AARP® MedicareComplete® Medicare Advantage plans offered through UnitedHealthcare.

Plan Type Which providers
can I see?
Do I need a referral to see a specialist? Will my out-of-pocket costs    be high or low?
HMO Plans   
Health Maintenance Organization
You generally have to get services from a network of local providers, except for emergency room, urgent care visits and renal dialysis services. Maybe, depending on the plan. Your out-of-pocket costs will typically be lower than PPO and POS plans.
POS Plans   
Point-of-Service
Similar to an HMO plan, but you can also see providers for certain services outside the plan’s network, but it might cost more to do so. Maybe, depending on the plan. Your out-of-pocket costs will typically be higher than HMO plans, but lower than PPO plans.
PPO Plans   
Preferred Provider Organization
You can see providers for all covered services outside the plan’s network, but it will generally cost more to do so. No. Your out-of-pocket costs will typically be higher than HMO and POS plans.

 

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans are unique because they are simplified issue to those who do not have a qualifying life event to buy coverage and/or those who are outside of their Initial Medical Enrollment Period.

Find an AARPMedicarePlan that could be the right fit for you by calling us at (866) 260-9829.

Over the years, you’ve learned what’s best for you. That’s why it’s good that there are a variety of AARP® Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company available. With several plans to choose from, you could select one that’s just right for your needs. It’s time to find an AARP Medicare Supplement Plan that could go the distance with you.

With an AARP® Medicare Supplement Insurance Plan, insured by UnitedHealthcare Insurance Company (UnitedHealthcare), you get supplemental coverage that can serve your needs with:

  • Competitive group rates. These rates are available exclusively to AARP members.
  • High customer satisfaction. 9 out of 10 plan holders surveyed would recommend their AARP Medicare Supplement Plan to a friend or family member.*
  • A plan that lets you choose. 95% of plan holders surveyed were satisfied with the ability to choose their own doctor who accepts Medicare patients.* As with all standardized Medicare supplement plans, you get important supplemental coverage that helps to pay some of the costs Medicare doesn’t pay. In the following pages you will find rates as well as detailed descriptions of the benefits included in each plan. Your Representative, who is a licensed insurance agent contracted with UnitedHealthcare to offer AARP Medicare Supplement Plans, can review the information with you and answer any questions you may have. Once you’ve chosen the plan that’s best for your needs and budget, your Representative can help you complete and submit the Application Form, along with the first month’s premium. All of us at UnitedHealthcare look forward to serving your health insurance needs now and for many years to come.

If you’re not currently an AARP member, you must join to be eligible to enroll for these plans. You can join AARP online, by phone or by including the form and separate check for the annual membership dues with your application.

* From a report prepared for UnitedHealthcare Insurance Company by GFK Custom Research NA, “Medicare Supplement Plan Satisfaction Posted Questionnaire,” 6/17/2013, www.uhcmedsupstats.com or call 1-800-523-5800 to request a copy of the full report. AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.

Your Guide To AARP Medicare Select and Medicare Supplement Insurance Plans

This Guide contains detailed information about AARP Medicare Select and AARP Medicare Supplement Insurance Plans. AARP Medicare Select and Medicare Supplement Insurance Portfolio of Plans, insured by UnitedHealthcare Insurance Company, provides a choice of benefits to AARP members, so you can choose the plan that best fits your individual supplemental health insurance needs. To help you choose the AARP Medicare Select Plan or AARP Medicare Supplement Plan to meet your needs and budget:

  • Look at the Cover Page, which shows the benefits of each Medicare Select and Medicare supplement plan and any specific provisions that may apply in your state. Also be sure to review the Monthly Premium information. Benefits and cost vary depending upon the plan selected.
  • For more information on a specific plan, look at the chart(s) which outline(s) the benefits of that plan. The detailed chart(s) show(s) the expenses Medicare pays, the benefits the plan pays and the specific costs you would have to pay yourself.

Eligibility to Apply To be eligible to apply, you must be an AARP member or spouse of a member, age 50 or over, enrolled in both Part A and Part B of Medicare, and not duplicating any Medicare supplement coverage. (If you are not yet age 65, you are only eligible if you enrolled in Medicare Part B within the last 6 months, unless you are an “Eligible Person” entitled to Guaranteed Acceptance as shown under the “Guaranteed Acceptance” section.)

Guaranteed Acceptance

  • Your acceptance in any plan is guaranteed during your Medicare supplement open enrollment period which lasts for 6 months beginning with the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B.
  • If you lose health insurance coverage and are an eligible AARP member, you may be considered an “Eligible Person” entitled to guaranteed acceptance and you may have a guaranteed right to enroll in certain AARP Medicare Supplement Plans under specific circumstances. You are required to:
    • Apply within the required time period following the termination of your prior health insurance plan.
    • Provide a copy of the termination notice you received from your prior insurer with your application. This notice must verify the circumstances of your prior plan’s termination and describe your right to guaranteed issue of Medicare supplement insurance. If you have any questions on your guaranteed right to insurance, you may wish to contact the administrator of your prior health insurance plan or your local state department on aging.

AARP endorses the AARP® Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York, Islandia, NY). UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.

AARP does not employ or endorse agents, brokers or producers.

Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). Policy form No. GRP 79171 GPS-1 (G-36000-4). In some states plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.

You must be an AARP member to enroll in an AARP Medicare Supplement Plan. Not connected with or endorsed by the U.S. Government or the federal Medicare program. AARP Medicare Plans are insured by UnitedHealthCare. Smedley Insurance Group, Inc. (iHealthBrokers Medicare Advisors) is authorized to offer AARP Medicare Plans.