As people age their need for better health care increases and they also experience a greater requirement to stay in the best of shape. AARP, a United States based non- Government organization, focuses on old- age health and improvement of the quality of life for people over the age of 50. With more than 35 million members, the AARP or the American Association of Retired Persons (the organizationís former name) is one of the largest organizations in the United States looking to offer cost- effective options to aging individuals.
The organization offers insurance to people within the age bracket of 50 to 64 years, to those above 65 and a few options for all aged and retired persons. If youíre within 50 to 64 years of age you can choose from about four plans namely the Essential Plus plan, the Major Medical plan, the Essential plan and the Hospital Indemnity Insurance plan. The Essential Plus plan is a traditional indemnity plan that allows members to cut costs on major medical coverage. Plans in the Major Medical category offer extensive coverage to members. The Essential Health plan offers a number of significant benefits to members while charging a comparatively lower premium. The Hospital Indemnity Insurance plan offers fixed cash benefits and affordable supplemental advantages.
Individuals above 65 years of age also have numerous AARP plan options to look through. They can choose from amongst supplemental health plans, advantage health plans and Part D Prescription Drug plans. The supplemental health plan range covers benefits not covered by regular Medicare coverage. The highlight of these plans lies in the fact that members do not need to bear exorbitant out- of- pocket costs. Medicare advantage plans combine several benefits under one roof and can be called the most comprehensive among all the options meant for people above 65. Along with being cost- effective, these plans are also flexible. As the name suggests, the Part D Prescription Drug is concerned primarily about prescription drug benefits.
Apart from health plans mentioned above, AARP health insurance also involves dental care insurance. Under these plans, members not only get coverage for common dental treatment but can also choose their own doctor. In their offerings, AARP has also included a range of long term plans tailor- made for the retired. Additionally, the organization has also come up with a number of discount plan options. Range of plans includes vision care, prescription drugs and Health Essentials Catalog. The vision care plans include numerous benefits and give members discounts at the best optical stores. Likewise, the discount prescription drug plans offer discounts on benefits and services. The Health Essentials Catalog lets members save on wellness and health products.
Additional resources on AARP - Medicare and other health plans
This section will provide you with details on AARP and information on senior health care. Get all the information you need about Medicare, Medigap or Medicare supplement plans. You can also go through the details on Medicare Advantage. You will understand the differences between Medicare and Medicare supplement plans. You will also find details on eligibilities for these plans. Remember, when you are looking for a suitable health plan that will be just right for your particular needs and budget, you will need to go through detailed layouts of all the plans. If you want additional information on any topic, just click on the link...