Medicare’s Advantage plans are available through many different insurance companies. AARP is one of many, but it is one of the more prestigious insurance providers. The AARP Medicare Advantage plans for 2019 are bound to be among the most popular of what will be available then.
You can sign up for AARP’s Advantage plan simply by calling the company or visiting their website and enrolling for their Advantage coverage. If you have a plan already, then you may have to drop that current plan. Some medical insurance plans are compatible with Medicare Advantage plans, and others are not. For instance, Medicare Supplement plans are not compatible, but your union or employer medical plan may be compatible. It all depends on the plan and what it covers. If there is any overlap, then that plan won’t be allowed. You have to drop one of your plans, if they overlap in any way. Medicare isn’t going to allow you to sign up for two plans at the same time that share the same coverage.
What AARP Advantage Covers
If you sign up for an AARP Advantage plan, then you are guaranteed certain basic medical coverage. The coverage can change from one plan to the next and from one area of the country to the next. That’s up to AARP in some respects. They are allowed to add certain coverage to the basic Advantage plan and spruce up its coverage.
What they cannot do, however, is change that basic coverage. That’s coverage that has been designed and approved by Medicare. Let’s look at exactly what that coverage entails.
The basic Medicare coverage will take care of all the Original Medicare plan. That’s Medicare parts A and B, which includes cover for inpatient and outpatient expense, such as surgeries, x-rays, in-hospital services, ambulatory care, doctor’s visits and much more. Also included in the basic coverage is your emergency medical care and the urgently needed services you may need from time to time. These may not be expenses that you need covered more than a few times a year, if that, but they can be very expensive, and they can be unexpected, so it makes sense to have them covered. This is especially true as you get older and your health tends to falter. Most seniors benefit from that kind of coverage for their medical care.
This was all just basic coverage we have talked about so far that all AARP Advantage plans and other kinds of Advantage plans have to offer. They are required by Medicare to provide at least this basic level of coverage. However, they are allowed to cover even more. There are a few items of coverage that are typically added onto the basic coverage. These are usually coverage for checkups and the related medical items that are prescribed after the checkup (eyeglasses, hearing aids, etc.) and Medicare Part D, which provides coverage for prescription drugs.
There are other items of coverage that may be included in Medicare Advantage plans- those offered by AARP as well as those offered by other insurance companies. What is added to the plans is often up to the insurance companies, and Medicare doesn’t really interfere in added coverage. It just requires that there be the basic coverage we already mentioned. Most insurance companies will include only the items we already listed, though, so you should have a good idea of what kind of coverage will be included.
Why Choose AARP Plans?
There are lot of options for you to pick from for insurance providers for your Advantage coverage. If you decide that you do want Medicare Advantage to provide some coverage for your medical care, then AARP is one of the better choices. It may not have the price that’s the most affordable for you or the best coverage for everyone, but they do tend to offer a lot of member benefits.
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They have a reputation that has held up for decades, and seniors trust them and rely on them for all sorts of services that assist with their day-to-day living and with their big decisions in life. The AARP Medicare Advantage plans for 2019 are bound to be some of their most value-packed services, but they offer a lot of other insurance coverage and various senior services related to healthcare.
AARP is one of the most prestigious insurance companies because of its legacy and their wide range of services, but seniors do need to be aware that there are often cheaper options for Medicare Advantage coverage. However, those other options may not give seniors the same kind of access to such a wide range of services as AARP does. That’s why so many choose them over cheaper options.
Choosing the Right Advantage Plan
Medicare Advantage plans are not something you want to sign up for on whim. They are among the most comprehensive medical insurance plans available, and that means that you should only consider one if you have carefully assessed your current coverage and found it is wanting. You should only need this kind of coverage if you are faced with regular visits to the doctor, emergency care or the hospital in general.
Of course, there are very pulled back and restrained Advantage plans, such as the ones that only offer the basic advantage coverage. Those are good choices for just about anyone. However, not everyone needs even that coverage. You will have to look at what your expenses are and how often you have to pay them to determine what kind of coverage you need.
You may just want the blanket of security that a Medicare Advantage plan provides. These plans come in very useful for a wide range of people. If you just want some extra insurance coverage to alleviate your fears about unexpected medical expenses, then it’s not a bad idea to sign up for an affordable Medicare plan.
AARP could be a good option for you, but you should look at your other option as well. AARP has its own set Advantage plans for 2019 that it offers, and those may not be the right choice for you. You are only going to know what will work best for you if you first assess your current and near-future needs and then, secondly, compare the plans that are available. You can find one that is an excellent fit for you and your healthcare needs, but you need to take the time to look at what’s on offer and compare and contrast the plans and what they are providing for you.
If you are in the market for an Advantage plan, though, you should definitely consider what AARP is offering. They are a respected and well-known company that has a long history in the business of medical insurance plans. Their stability and their customer service record make them a plum choice for any senior, no matter what their needs are. It’s possible their plans will cost more than you can afford to pay, and if that is the case then you need to find another insurance provider for this coverage.
Don’t give up on finding the right Medicare insurance plan. If you decided that you need Advantage coverage, then look at what’s available to you and compare those plans to get the best deal and the best price on coverage. You won’t necessarily have to pay a lot to get the coverage that you need.
AARP Medicare Advantage plans for 2019 offer you some excellent coverage and come with a reputation for great customer service and member benefits. They should be on your list of possible plans for you to sign up for, and you should look closely at what they have to offer. Only by considering all your choices can you ensure that you make the best decision.