As you get older, finding good and affordable Medicare coverage is key. AARP Secure Horizons is a trusted provider with solutions for seniors’ healthcare needs. They offer Medicare Advantage plans and Medicare Supplement insurance to cover out-of-pocket costs.
AARP Secure Horizons Medicare Advantage plans make healthcare easy by combining your Medicare Part A, Part B, and Part D into one plan. These plans might give you extra benefits like dental, hearing, and vision care. With AARP Medicare Advantage plans, you could pay as little as $0 a month in premiums.
Key Takeaways
- AARP Secure Horizons offers comprehensive Medicare coverage options, including Medicare Advantage and Medicare Supplement plans.
- AARP Medicare Advantage plans combine Original Medicare benefits with additional perks like dental, hearing, and vision coverage.
- These plans may have $0 monthly premiums, providing affordable coverage for seniors.
- AARP also provides Medicare Supplement insurance plans to help pay out-of-pocket costs not covered by Original Medicare.
- Dual Special Needs Plans (D-SNPs) are available for individuals with both Medicare and Medicaid, offering tailored benefits beyond Original Medicare.
Understanding AARP Medicare Advantage Plans
AARP Medicare Advantage plans offer more than just Original Medicare (Parts A and B). They add extra benefits for seniors. This makes healthcare more complete. Plus, some plans have no monthly premium, making them easy to afford.
Combining Original Medicare with Added Benefits
AARP Medicare Advantage plans give you more than Original Medicare. They add benefits like dental, vision, and hearing care. You also get fitness programs, over-the-counter products, and more.
Premiums as Low as $0 per Month
Many AARP Medicare Advantage plans have premiums starting at $0. This makes healthcare affordable for seniors on tight budgets. Plus, you can get $0 copays for doctor visits, virtual chats, and lab tests.
AARP Medicare Advantage plans combine Original Medicare with extra benefits. This makes healthcare more complete and cost-effective for seniors.
“AARP Medicare Advantage plans provide a seamless way for seniors to access the care they need, all while potentially saving money on their monthly premiums and out-of-pocket costs.”
Medicare Supplement Insurance Options
Seniors looking to improve their Original Medicare coverage can look into AARP’s Medicare Supplement insurance, also known as Medigap. These plans help cover costs not paid by Medicare Parts A and B, like deductibles and copays. With a Medigap plan, retirees can see any doctor or go to any hospital that takes Medicare.
Covering Out-of-Pocket Costs
Medicare Supplement insurance, or Medigap, fills in the gaps of Original Medicare coverage. These plans pay for things like deductibles and copayments, easing the financial load on seniors. Pairing Original Medicare with a Medigap plan gives retirees more peace of mind and shields them from high medical costs.
| Plan Type | Description | Typical Monthly Premium |
|---|---|---|
| Medigap Plan G | Covers Medicare Part A deductible, Part B coinsurance, and more | $125 – $300 |
| Medigap Plan N | Covers Medicare Part A deductible, Part B coinsurance with some copays | $95 – $225 |
| Medigap Plan F | Covers Medicare Part A and B deductibles, coinsurance, and more | $150 – $350 |
According to the UnitedHealthcare website, Medicare Supplement plans and their prices are easy to find. These plans help those with Medicare Parts A and B manage their medical costs. AARP offers these plans to its members and non-members through the UnitedHealthcare website.
“Medicare Supplement insurance, or Medigap, is designed to fill the gaps in Original Medicare coverage.”
AARP Medicare Plans have many options for retirees, from basic to comprehensive plans. These plans are for both AARP members and non-members and can be found on the UnitedHealthcare website.
Prescription Drug Coverage with Medicare Part D
AARP offers Medicare Part D prescription drug coverage as part of its Medicare Advantage plans. These plans can be added to Original Medicare or a Medigap plan. This lets people get their medicines at in-store pharmacies or through home delivery.
AARP’s Medicare Part D plans have many cost-saving features, including:
- $0 copay for most Part D-covered adult vaccines, including the shingles vaccine
- A $35 or less copay for a 1-month supply of covered insulin prescriptions
- A $2 copay for more than 200 generic drugs at Walgreens pharmacies nationwide
- $0 deductible on Tier 1 prescriptions
- Potential savings with Optum Rx home delivery when getting at least a 3-month supply of medication
The AARP Medicare Rx Walgreens from UHC plan also includes some lower-cost pharmacies in certain areas. This gives members more ways to save on their prescription drug costs.
AARP Secure Horizons shows how Medicare Part D works with other insurance like employer plans, COBRA, Medigap, and Medicaid. Knowing how these plans work together helps people make the most of their prescription drug benefits. It also helps avoid penalties or gaps in coverage.
| Feature | Benefit |
|---|---|
| $0 copay for most Part D-covered adult vaccines | Encourages preventive care and vaccination |
| $35 or less copay for a 1-month supply of covered insulin | Promotes affordability and access to essential diabetes medications |
| $2 copay for over 200 generic drugs at Walgreens | Provides significant savings on common prescription medications |
| $0 deductible on Tier 1 prescriptions | Eliminates out-of-pocket costs for essential drugs |
| Optum Rx home delivery savings | Offers convenience and potential cost reductions for 3-month supplies |
With AARP Secure Horizons’ Medicare Part D coverage, seniors can be sure their prescription drug needs are covered. They get affordability, accessibility, and peace of mind with AARP’s trusted guidance.
Dual Special Needs Plans (D-SNPs)
For people with Medicare and Medicaid, AARP offers Dual Special Needs Plans (D-SNPs). These plans are made for those with both Medicare and Medicaid. They give extra benefits not covered by Original Medicare.
Tailored for Those with Medicare and Medicaid
AARP’s D-SNPs are for those eligible for both Medicare and Medicaid. These plans combine healthcare services smoothly. This ensures members get full coverage and support tailored to their needs.
Members get $0 copays for dental services and prescription drugs. They also have access to a national vision network. This means $0 copays for routine eye exams.
AARP Secure Horizons Extra Benefits Beyond Original Medicare
AARP Secure Horizons D-SNPs offer more than basic Medicare benefits. They provide transportation help, meal delivery, and more. Members can earn 50% more points in the AARP Rewards program.
They also get exclusive dental coverage and health programs suited to their needs.
Dual Special Needs Plans make healthcare easier for those with Medicare and Medicaid. AARP offers a personalized solution that goes beyond standard Medicare coverage.
“AARP Secure Horizons D-SNPs provide a range of extra services to improve the health and well-being of their members, including transportation assistance and meal delivery programs.”
Navigating Your Medicare Journey
Medicare can seem complex, but AARP Secure Horizons is here to help. They offer resources and support to empower seniors. They have online tools and personalized help for the Medicare enrollment process and more.
Online Resources and Support
The AARP Secure Horizons website is a great place for Medicare info. It has online tools and info to help you make good choices. You can compare Medicare Advantage and Supplement plans, read articles, and watch videos to learn about coverage.
AARP Secure Horizons also has a team of customer service reps ready to help. They can answer your questions and give you personalized advice. They can help with the enrollment process, coverage options, and more, just a phone call away.
“The AARP Secure Horizons team has been invaluable in helping me navigate the complexities of Medicare. Their online tools and personalized support have made the process much less daunting.”
With AARP Secure Horizons, you can start your Medicare journey with confidence. They give you the info and support you need to make the best choices for your health.
| Medicare Resources | Key Benefits |
|---|---|
| AARP Secure Horizons Website |
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| Customer Support |
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Enrolling in an AARP Medicare Plan
Enrolling in an AARP Medicare plan is easy. It doesn’t matter if you’re new to Medicare or just want to switch plans. AARP helps you look at your options and find the right coverage for you.
To start, visit the AARP Medicare enrollment website or talk to a licensed insurance agent. There, you can compare AARP Medicare Advantage plans and Part D prescription drug plans. You can check if you’re eligible and sign up online.
If you want help, AARP has licensed insurance agents ready to assist you. They can walk you through the enrollment process. They’ll help you understand the plans, look at your health needs, and pick the best coverage for you.
AARP membership isn’t needed to join AARP Medicare Advantage or Part D plans. These plans are for all Medicare-eligible people, with or without AARP membership.
To sign up, you’ll need some basic info like your Medicare number, birthdate, and address. Signing up is quick, taking only a few minutes. You can do it online or over the phone with an AARP agent.
- Look at AARP Medicare plan options on the AARP website or talk to a licensed insurance agent.
- Check if you’re eligible and compare plan benefits to find the best coverage for your health needs.
- Sign up online or talk to an AARP agent. They can help you through the process and answer any questions.
Choosing an AARP Medicare plan is a big decision that affects your healthcare and costs. Take your time to look at your options. Pick the plan that gives you the best coverage and value for your needs.
Cost Considerations for Medicare Coverage
When picking an AARP Medicare plan, think about the monthly costs and out-of-pocket expenses. This includes deductibles, copays, and coinsurance. AARP offers tools to help seniors manage these costs. This ensures they pick a plan that meets their health needs and budget.
Understanding Premiums and Out-of-Pocket Expenses
Medicare Advantage plans have different costs. These include monthly premiums, health deductibles, drug deductibles, copays, coinsurance, and an annual maximum out-of-pocket cost. The type of plan, like HMOs or PPOs, affects these costs. HMOs usually have lower premiums but offer fewer choices. PPOs have higher costs but give more options.
Prescription drug coverage in Medicare Advantage plans also affects costs. It impacts both premiums and out-of-pocket expenses. It’s key to know these details when comparing plans to find the best fit for your health and budget.
The annual out-of-pocket maximum for Medicare Advantage plans in 2024 is $8,850. If you delay enrolling in Part D, you’ll face a penalty of 1% of the average Part D premium for each month. Delaying Part B enrollment adds a 10% penalty for each 12-month period.
Let’s look at the average costs for major Medicare Advantage providers in 2024:
- AARP/UnitedHealthcare: $17.37 monthly premium, $103.36 drug deductible, $5,560.90 maximum OOP
- Aetna/CVS: $16.73 monthly premium, $107.43 drug deductible, $5,553.93 maximum OOP
- Blue Cross Blue Shield: $53.42 monthly premium, $178.34 drug deductible, $4,893.00 maximum OOP
- Cigna: $6.81 monthly premium, $23.96 drug deductible, $5,421.68 maximum OOP
- Humana: $31.08 monthly premium, $197.57 drug deductible, $6,151.64 maximum OOP
- Kaiser Permanente: $46.17 monthly premium, $3.00 drug deductible, $4,839.00 maximum OOP
- Wellcare: $8.71 monthly premium, $262.55 drug deductible, $5,549.83 maximum OOP
These premiums don’t include the Medicare Part B premium, which is $174.70 for 2024. Remember to add this to your total cost when choosing a plan.
Knowing these costs helps seniors make smart choices. They can pick an AARP Medicare plan that covers their health needs and fits their budget.
Comparing AARP Medicare Options
Seniors have many Medicare options from AARP to fit their health needs and budgets. It’s important to know the differences between Medicare Advantage, Supplement, and Part D plans. This helps them choose the best plan for their money and health.
AARP Medicare Advantage Plans combine Original Medicare with extra benefits like vision and dental. They often have low or no monthly premiums. But, you must use in-network providers and might need a referral to see specialists.
AARP Medicare Supplement Plans, or Medigap, cover out-of-pocket costs of Original Medicare. They require a monthly premium but let you choose any doctor without needing a referral.
AARP Medicare Part D Plans offer prescription drug coverage. You can add them to Medicare Advantage or Supplement plans. These plans help manage drug costs by offering various coverage options and lower prices on drugs.
| AARP Medicare Option | Premiums | Provider Network | Prescription Drug Coverage |
|---|---|---|---|
| Medicare Advantage | Low or $0 monthly premiums | Typically requires in-network providers | Usually includes drug coverage |
| Medicare Supplement | Monthly premiums required | Allows any Medicare-approved provider | Does not include drug coverage |
| Medicare Part D | Monthly premiums required | Varies by plan | Provides stand-alone prescription drug coverage |
Seniors should think about their health needs, budget, and what they want from a plan. This way, they can pick the right plan or plans for their needs and get good healthcare coverage.
Choosing an AARP medicare plan, medicare advantage vs supplement, or part d drug plans should be based on understanding the options. It’s also important to consider your health needs and money situation.
Conclusion
AARP Secure Horizons offers a wide range of Medicare coverage solutions for seniors. They have Medicare Advantage plans with extra benefits and Medigap options for extra cost protection. This ensures older adults get the healthcare they need.
With AARP’s help, seniors can easily understand Medicare and make smart choices. They can pick from Medicare Advantage or Medigap plans. AARP Secure Horizons gives the support and options seniors need for the right Medicare coverage.
AARP Secure Horizons is a reliable partner for Medicare enrollment and more. They offer many senior healthcare solutions. They are dedicated to helping older adults.
