Beginner’s Guide to AARP Medicare Plans

AARP Medicare plans are available for a variety of reasons. Depending on your needs, you can obtain coverage from this network for different purposes. This UnitedHealthcare Medicare partner is responsible for managing the AARP benefits you can enroll in. If you enroll in one of these AARP programs, you will receive your benefits through the United Healthcare provider.

However, remember that the AARP Medicare supplement or Part D benefits you obtain are not directly supplied through Medicare. This federal health insurance program works with independent providers to offer benefits to enrollees. Keep this in mind when you decide which UnitedHealthcare Medicare Advantage or other program to enroll in. Furthermore, remember that you need to understand which of these Medicare Parts you need. Once you determine which part can provide you with the support you need, you can choose a specific plan.

AARP Medicare Advantage Plans

The AARP Medicare Advantage (Part C) plan provides comprehensive support to enrollees. If you want to purchase Medicare Advantage insurance, you can choose from one of UnitedHealthcare’s benefits packages. For example, your AARP MedicareComplete providers offer:

• AARP MedicareComplete (HMO).
• AARP MedicareComplete Focus (HMO).
• AARP MedicareComplete Plan 2 (HMO).
• AARP MedicareComplete Choice (PPO).
• AARP MedicareComplete Choice Plan 2 (Regional PPO).
• AARP MedicareComplete Choice Essential (Regional PPO).

In many instances, your AARP MedicareComplete by UnitedHealthcare plan will also include drug coverage. Regardless, your Medicare Advantage provider is required to provide you with the same benefits that would be available to you if you enrolled in Medicare Parts A and B. Furthermore, keep in mind that the Part C packages available to you can vary based on where you live.

AARP Medicare Part D Plans

AARP Medicare drug plans are one of the ways you can obtain Part D coverage. Often, Medicare Part D is referred to as the drug plan program. This is because Original Medicare does not usually serve all of enrollees’ prescription drug needs. If you wish to purchase an AARP Medicare Rx plan, you may do so. Through the AARP UnitedHealthcare plans, you can find the best prescription drug (PDP) plan for you. Different plans offered through this AARP Medicare supplement health insurance plan include:

• AARP MedicareRx Walgreens (PDP) – This plan is ideal if you use Walgreens as your pharmacy and you want a low premium.
• AARP MedicareRx Preferred (PDP) – If you want extensive drug coverage and need to use your AARP medicare insurance at different pharmacies, this could be a good plan for you.
• AARP MedicareRx Saver Plus (PDP) – This plan works best if you do not need many prescription medications, and you want low copays and the flexibility to use different pharmacies.

Before you choose one of these plans, be sure you consult your AARP Medicare Part D formulary. Different plans may only cover specific drugs, whether they are name brand or generic. If you are unsure about which types of medications you may need, speak with your doctor beforehand. Based on the information he or she provides, you may be able to more accurately decide which AARP Medicare prescription plan will work best for you.

AARP Medicare Supplement Plans

Your AARP UnitedHealthcare Medicare provider also offers supplemental insurance packages. Usually, these additional plans are necessary if you need coverage beyond what a standard part offers. They are also referred to as Medigap. For example, all AARP Medicare supplement insurance plans include:

• Coinsurance. You can use your AARP UnitedHealthcare Medicare to cover your coinsurance for Medicare Part A and Medicare Part B.
• Blood transfusions. With a supplement plan, the costs of the first three pints of blood you receive through a blood transfusion are covered.
• Hospice care copay. With this AARP and Medicare supplement plan, you do not need to pay out of pocket for your Part A hospice copay or coinsurance.

If you are wondering, “Will my AARP Medicare supplement plan pay for any additional services?” keep in mind, this is possible. However, plans vary. Therefore, you need to speak with an insurance representative to determine the best plan for you.