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AARP Medicare Supplement Insurance Plans | Review

AARP Medicare Supplement Insurance Plans by United Healthcare Insurance Company: In one of our articles, we have discussed the AARP Medicare plans and its benefits that are been provided to the senior citizens as well as those with physical disabilities and any other kind of disabilities concerned with the human body. In case if you feel like nothing falls benefitials under the coverage of a specific Medicare plan, then you can go by choosing any of the desired supplements provided by the AARP Medicare Supplement Insurance Plan via the private insurance companies like United Healthcare insurance company.

So you need not worry about the plans that are provided by the  Medicare Plan. For over 50 years AARP has been providing insurance solutions for the senior people. This plan is otherwise called the Medigap Insurance Plan.

Usually, AARP Medicare Supplement Insurance comes with different plans like plans A, B, C, D, F, G, K, L, M and N. Innovative benefits are been made available and offered along with the plans by a company. The Medigap policies are standardized in a different way in some places like Massachusetts, Minnesota, and Wisconsin.

AARP Medicare Supplement insurance Reviews

AARP Medicare Supplement Insurance Plans

AARP Medicare Supplement Insurance Plans

There are about 22 plans in the USA, of which 8 are Medicare Supplement Insurance. The split up for the remaining 14 plans are as follows: 8 Medicare Advantage Plans (Part C), 3 Medicare Prescription Drug Plans (Part D) and 3 Medicare Special Needs Plans. The 8 Medicare Supplement Insurance plans include plans A, B, C, F, G, K, L, and N.

FEATURES AND BENEFITS OF THE AARP MEDICARE SUPPLEMENT PLANS:

What is so special about these supplement plans? This question is an obvious one for everyone who comes across this article. So here let’s discuss on features and benefits of AARP Medicare Supplement Plans.

  • The insurance coverage is provided for all people in the US.
  • The patients can visit any doctor who accepts Medicare.
  • Referrals are not necessary.
  • The doctor who is attending you in the present can be visited.
  • The premium cannot be increased or your access cannot be canceled because of health issues.
  • Your medical bills under care made under control by combining this supplement plan with Medicare Plan “D.”
  • There are no claim forms to fill out.
  • 98% of the claims are processed in 10 days or less.

Don’t Forget to Check Myaarpmedicare Rewards & AARP Medicare Complete Provider Phone Number

AARP MEDICARE SUPPLEMENT INSURANCE PLANS BY UNITED HEALTHCARE

AARP Medicare Supplement Plans offers benefits like co-insurance, copayments, certain coverage and deductibles vary by state. This topic will brief you about the plans of Medicare Supplement Insurance.

AARP Medicare Supplement Insurance Plan A

Plan A: Plan A offers payments for both hospitalizations as well as nursing care expenses. The policyholder has to pay $1340 for the first sixty days of hospitalization. The plan will then pay $335 Per Day for a semi-private room, nursing, and other miscellaneous services and supplies from the 61st to the 90th day. Beyond 90 days, the expenses are covered under lifetime reserve at $670 per day.  After the complete use of the lifetime reserves, plan A will pay 100% of the expenses that are eligible to claim for an additional year.

After leaving the hospital, if you happen to enter the Medicare-approved facility within thirty days, this plan will pay for skilled nursing care for the first twenty days. From the 21st day to the 100th day, the plan pays $167.50 per day for the above-mentioned care. One of the best things is that the first three units of blood are free of cost. Besides this, the plan also pays for hospice care, MyAARPMedicare co-payments, and co-insurance if you are certified as terminally sick provided that you meet the Medicare requirements.

AARP Medicare Supplement Insurance Plan B

Plan B: The payments for Part A deductibles for hospitalization expenses, semi-private room, nursing, and other miscellaneous services and supplies for the first 60 days are paid by plan B. The Plan pays $335 for the next thirty days. Beyond 90 days, the expenses are covered under lifetime reserve days at $670 per day. Plan B will pay 100% of the expenses eligible to claim for an additional year after the complete use of lifetime reserves.

The expenses for skilled nursing care for eighty days after the first 20 days i.e., from 21st day to 100th day, will be paid by the plan if the Medicare requirements are matched provided that the patient should be at the hospital for at least three days. The patient should have also entered a Medicare-approved facility within thirty days of leaving the hospital. Similar to the previous plan, the first three pints of blood are free of cost. If you meet the Medicare requirements and if certified as terminally ill by a doctor, then the Medicare co-payment and co-insurance are paid for hospice care.

AARP Medicare Supplement Insurance Plan C

Plan C: The hospitalization co-pay of $1340 for the first sixty days, $335 for the next thirty days and $670 for the rest of the days using life reserve days are covered under this plan. If at all the lifetime reserve days are utilized, 100% of eligible Medicare expenses can be claimed for an additional year. $167.5 per day for the eighty days after the first twenty days for skilled nursing care also comes under this plan.

As mentioned in the previous plans, the first three pints of blood are for free. If the Medicare requirements are met and certified as terminally ill by a doctor, then the co-insurance and co-payment deductibles will also come under the plan.

AARP Medicare Supplement Plan F Benefits & Coverage

Plan F: Of all the plans that come under the Medicare Supplement Plan, this is the most comprehensive one. Medicare Part A hospitalization, Part A deductible, and medical expenses for the first sixty days of hospitalization are covered in Plan F. For the next thirty days, the plan offers $335 per day and for the rest of the days, it pays $670 under lifetime reserve days. Like the other plans, this plan also pays 100% of Medicare eligible expenses for an additional 365 days.

This plan pays $167.5 per day for the eighty days after the first twenty days for skilled nursing care. The first three pints of blood are for free. If the Medicare requirements are met and certified as terminally ill by a doctor, then the co-insurance and co-payment deductibles will also come under the plan.

AARP Medicare Supplement Plan G Coverage & Reviews

Plan G: This plan covers the hospitalization expenses for the first sixty days, $335 for the next thirty days and $670 for the rest of the days using life reserve days. If at all the lifetime reserve days are utilized, 100% of eligible Medicare expenses come under the plan for an additional year. $167.5 per day for the eighty days after the first twenty days for skilled nursing care also comes under this plan.

Like in the previous plans, the first three pints of blood are for free. If the Medicare requirements are met and certified as terminally ill by a doctor, then the co-insurance and co-payment deductibles will also come under the plan.

AARP Medicare Supplement Insurance Plan K

Plan K: The hospitalization co-pay for 50% of $697 for the first sixty days, $335 per day for the next thirty days, and $670 per day for the rest of the days that uses sixty lifetime reserve days are covered under plan K.  After the utilization of the lifetime reserve days, the plan takes care of the 100% of Medicare-eligible expenses.

After the first twenty days, $83.75 per day for eighty days are paid by the plan for skilled nursing. The first three pints of blood for free.  Hospice Medicare co-payments and co-insurance deductibles will also be paid if you are certified as terminally ill and meet the Medicare requirements.

AARP Medicare Supplement Insurance Plan L

Plan L: The 75% of the hospitalization co-pay of $1005 for the first sixty days, $335 per day for the next thirty days and $670 per day (using lifetime reserves) when it exceeds beyond 90th days as covered under this plan.  100 % of the Medicare-eligible expenses are taken care of after the complete utilization of the lifetime reserve days for an additional year.

The skilled nursing care for the eighty days after the first twenty days, $125.63 per day is paid by the plan. The first three pints of blood are covered at 75%. If you meet the Medicare requirements and certified as terminally ill by a doctor, then the hospice Medicare co-payments and co-insurance deductibles will also be paid.

AARP Medicare Supplement Plan N

Plan N:  The hospitalization co-pay of $1340 for the first sixty days, $335 per day for the next thirty days and $670 per day (using lifetime reserves days) for beyond 90th day are covered under this plan.  100 % of the Medicare-eligible expenses are taken care of after the complete utilization of the lifetime reserve days for an additional year.

For the skilled nursing care for the eighty days after the first twenty days, $167.50 per day is paid by the plan. The first three pints of blood are for free. If you meet the Medicare requirements and certified as terminally ill by a doctor, then the hospice Medicare co-payments and co-insurance deductibles will also be paid.

Cost Considerations of AARP Medicare Supplement Insurance

LOWER BENEFITS, HIGHER OUT- OF- POCKET

Comparatively, Plan B offers better benefits than plan A. Plan A covers only the basic benefits while plan B covers the basics benefits along with the Medicare Part A deductible which could turn out to be the highest out-of-pocket expenses.

These two plans have got lower monthly premiums wit higher-out-of-pocket costs for things like skilled nursing care, co-insurance, part B excess charges, and foreign travel emergency care.

HIGHER BENEFIT LEVEL, HIGHER PREMIUM

The most supplemental coverage that pays more out-of-its pocket for Medicare-approved services are Plans C, F, and G. If you can pay a higher monthly premium, you can go for these plans to avail more healthcare coverage and lower out-of-pocket expenses.

LOWER PREMIUM, CO-INSURANCE

The plans that are considered as the cost-sharing offering lower monthly Premiums are the plans K and L. This is because they do not pay the full amount but only a percentage of most of the covered benefits. They also pay 100% of covered services if the out-of-pocket limit is reached for the rest of the days in a year.

CO-PAY STRUCTURE, MID-RANGE PREMIUM

The co-payments for covered doctor’s office and emergency room visits are paid by the plan N in exchange for a mid-range monthly premium.

ELIGIBILITY REQUIREMENTS

Anyone wishing to opt for Medicare supplement insurance should already be on Medicare or turning 65. Before your 65th birthday, you can enroll for Medicare coverage for up to three months. You will be automatically enrolled in Medicare if you have already received Social Security benefits. For buying Medicare supplemental coverage, the open enrolment is six months after you turn 65 years. This indicates that the insurer cannot take any pre-existing medical conditions into consideration during this “open enrolment” period.

You cannot be stopped from buying the supplemental insurance but can be made to wait for around six months until the coverage goes into effect. If you buy the Medicare Supplement Plans not from your open enrolment, the private insurance company might underwrite the plan i.e., you will be asked to take up a physical examination and the insurance company might refuse to sell the plan or make some alterations in the premium based on health conditions.

IS AARP MEDICARE SUPPLEMENTAL INSURANCE RIGHT FOR YOU?

This plan is the best solution for your insurance needs if in case you are worried about the expenses of co-pays, co-insurance, and deductibles that are not covered by Medicare. In order to enroll in AARP Medicare Supplement Plans, you should first become an AARP member. For this, the membership application can be filled online. For more information regarding this, contact via the toll-free number 888-687-2277 or e-mail via member@aarp.org.

In case if you would like to learn more about Medicare and AARP Medicare Supplement Insurance Plans that are insured by UnitedHealthcare, call UnitedHealthcare at 1-866-930-1643 or visit www.AARPMedicareSupplement.com.

Final Words of AARP Medicare Supplement Insurance Plans

This article has given the information about AARP Medicare Supplement Insurance Plans which are usually opted to lower their deductibles. This plan can be chosen along with Part D of Medicare for enrolment but not with Part C. On a survey conducted, it has been found that 95% of the members are satisfied with the level of customer service that they have received. This plan might turn out to be the best solution for you to reduce your out-of-pocket expenses. We hope that this article has been of good use to you.

Diane J. Garcia
Dr. Diane J. Garcia, December 8, 1980, was an American surgeon and writer who taught bioethics, history of medicine, and medicine at the Yale School of Medicine, and occasionally bioethics and history of medicine at Yale College.

3 COMMENTS

  1. I’m trying to find out what my AARP Medicare plan includes for me and my wife, Sharon J. Blair.
    My AARP membership number is: 06673960202.
    William H (Bill) Blair

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