If you don’t know what AARP Health Insurance is all about then allow me to tell you what it is.
AARP Health Insurance is all about providing you and your family a quality level of health or medical coverage. And it might be great news to plan holders since it is no longer only for retired persons but is now also available to any AARP member who is 50 years old and above. The details below regarding the different programs will help you decide whether AARP insurance really gives you benefits or not.
Levels of AARP Health Insurance Set by Age
For everyone’s information, AARP serves as a support agency that works in behalf of senior citizens. AARP is an organization that was able to accumulate influence over the years, including millions of members. Because of this, the organization was able to tie up with different insurance companies that offer health insurance and also was able to create attractive contracts with them at near group rates.
In order to better provide its members with great benefits and also to be able to accommodate their needs, AARP has divided its constituents into two age groups. The same basic coverage is included in both age groups but there are certain features that are uniquely identified for a certain group. The two age groups are the following:
- 50 to 64 years old
- 65 and older
Details of Health Insurance Programs for Ages 50-64
The following features are provided for AARP health insurance programs for the 50 – 64 age group:
Primary Health Insurance Plan. This plan provides AARP members with complete coverage of all their health care needs. Through the United Health Care Insurance Company, AARP health insurance is able to provide this coverage. However, members have the option to choose where they want to have their medical care. But members, on the other hand, can enjoy low rates when they select doctors and hospitals within the system. The program also is a bit flexible since it allows the members to choose from the three different levels of deductibles. And if members choose higher deductibles, they will receive greater savings on their monthly premiums. The levels for the deductibles that are available are as follows: $1,000, $2,500 and $5,000.
Personal Health Plan. This health plan is not yet available in all states but is currently available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Florida, Illinois, Louisiana, Missouri, Maryland, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas and Virginia.
Long Term Care Insurance Plans. It really makes sense if you think on planning for your future long-term care needs. And if you need help with such, you can be assured that this plan will do the job. With the help of Metropolitan Life, this part of the plan can do its job and can actually help you protect your savings too. This plan also gives you more freedom by allowing you to cover long-term health care expenses.
Other features available for this age group include Dental Insurance, Discount on Drugs and Discount on eyewear or eye exams and Hospital Indemnity Supplemental Insurance Plans. GP