Explore AARP's Medicare Advantage plans, offering seniors a variety of affordable coverage options with trusted partnerships. Learn about plan types, benefits, and how these plans can help improve your healthcare experience after retirement. AARP collaborates with top insurers to deliver tailored plans including HMO, PPO, SNPs, and more, ensuring seniors have access to comprehensive and budget-friendly medical coverage.

Understanding AARP’s Medicare Advantage Plans

AARP, known as the American Association of Retired Persons, is a non-profit dedicated to helping seniors maintain their independence and improve their quality of life. While it doesn’t sell insurance directly, AARP partners with reputable insurers to give members access to diverse health coverage choices. Many retirees look for affordable healthcare plans, and AARP connects them with top carriers offering special discounts tailored for older adults. These collaborations simplify finding suitable and budget-friendly health insurance options after leaving the workforce.

Services Provided by AARP
Members gain access to a broad array of discounted health insurance plans through trusted partners. AARP’s goal is to improve senior health and wellbeing by partnering globally and making it easier to find affordable coverage once employment benefits end. These alliances help retirees choose quality insurance options tailored to their needs.

AARP and UnitedHealthcare Collaborations for Medicare Advantage
Partnering with UnitedHealthcare, AARP offers Medicare Advantage (Part C) plans, which deliver additional benefits beyond standard Medicare coverage.

Medicare Advantage plans combine Part A and Part B services with extras like prescription drugs, dental, and vision care—benefits not included in Original Medicare. Several plan options fit different preferences, including:

Types of Medicare Advantage Plans Available through AARP
Most plans are managed care options with a network of approved providers. Depending on the plan, members may need to select a primary care doctor from a list. The main types include:

HMO (Health Maintenance Organization): Requires using in-network providers and may need referrals for specialists. Out-of-network care may be limited and more costly. Prescription drug coverage depends on the plan.

PPO (Preferred Provider Organization): Offers greater flexibility, allowing visits outside the network with higher costs. No referral needed, and drug coverage is often included.

POS (Point of Service): Combines features of HMO and PPO plans, providing provider choices with some network restrictions.

SNPs (Special Needs Plans): Designed for people with particular health or financial circumstances, covering medications and additional services like transportation, dental, and vision. Types include Dual-Eligible, Chronic, and Institutional SNPs.

Additional Plan Options: including Private Fee-for-Service (PFFS) plans, offering provider choice flexibility, and Medical Savings Accounts (MSA), which combine high deductibles with health savings options. AARP partners with top insurers like UnitedHealthcare, as it doesn’t sell insurance directly.