AARP Health Insurance Plans for Seniors – Benefits, Costs and Providers


aarp health insuranceAARP health insurance plans is part of AARP’s health benefits program, which consists of products, services, and insurance plans that are made available by the AARP health company to its valued members.  What are the AARP Health insurance plans benefits and costs ? AARP’s health arm does not work like an insurance company. Instead, AARP contracts with insurance providers, and the AARP health insurance providers then provide their services under special agreements to all members of AARP health insurance plans for seniors. These health-focused offers are just part of the overall work that AARP does for its members. Aside from health programs, AARP also assists in their members’ finances, travels, and so on, and also offers members discounts on a variety of products and services.

Back to AARP health insurance, AARP offers various insurance products, but these can be categorized into two groups: insurance products for AARP members aged between 50 and 64, and another group for AARP members aged 65 and above.

AARP Health Insurance For Seniors : Provisions for its Members

  • AARP Essential Premier Health Insurance from Aetna
  • AARP Essential Health Insurance and Essential Plus Health Insurance
  • AARP Hospital Indemnity Insurance
  • AARP Medicare Complete and Medicare Supplement
  • MedicareRX

1. AARP Essential Premier Health Insurance from Aetna

The Essential Premier Health Insurance for AARP members aged 50 to 64 is offered by Aetna. This is a premier-level medical health plan that works like most health insurance plans offered by companies. The difference is that in this case, it is offered by AARP to its members. This is the major health insurance offer of the organization.

Aetna was chosen to be the provider of these health plans because the company offers affordable and high quality coverage. Aetna also has an affinity with innovative health insurance products, making them most capable of coming up with plans personalized according to the needs of the members.

2. AARP Essential Health Insurance and Essential Plus Health Insurance

Next is the Essential Health Insurance for 50 to 64 year olds. This is a basic fixed-cash hospital coverage plan that is characterized by low premiums and pretty basic hospital services coverage. This is offered by United HealthCare Insurance Company.

However, if you want larger coverage but one that is more affordable than the Essential Premier major medical plan, you can opt for the Essential Plus Health Insurance, which is also offered by United HealthCare.

3. AARP Hospital Indemnity Insurance


AARP members can also enjoy one of the most popular low-cost health insurance options in the market: the indemnity plans. AARP offers hospital indemnity insurance plans that are priced competitively. The plans are packaged with fixed-cash benefits and can be used as a supplemental coverage. This is again offered by United HealthCare Insurance Company.

4. AARP Medicare Complete and Medicare Supplement


As for the AARP members aged 65 and above, AARP health insurance options begin with Medicare Complete. This is provided by SecureHorizons, and allows AARP members to make the most of their Medicare coverage. These plans are named Medicare Advantage plans, which are characterized by low co-payments and comprehensive coverage that offer all Medicare benefits and then some. This “some” clause includes prescription drug benefits, coverage for pre-existing conditions and without limits, as well as additional fitness benefits.

Those, however, who already have Medicare plans and just want a plan that will supplement it can avail of the AARP Medicare Supplement plans. These are plans that help AARP members aged 65 and above to pay for medical expenses that are not covered by their Medicare plans. This helps you keep yearly out-of-pocket medical expenses under control.

5. AARP Medicare Rx

AARP members over the age of 65 can also enjoy the Medicare Rx or Medicare prescription drug coverage, a special coverage that helps members pay for their costly medications. Now, even as the costs of medicines increase or their changing medical conditions cause changes in their medicinal regimen, AARP seniors can easily afford their drugs.

This is offered by United HealthCare, and has now helped AARP members save up to $15 billion in total costs on their prescription drug purchases.

Are You Eligible for the Benefits of AARP Health Insurance?


The only eligibility requirement for AARP health insurance is that you should be a member of AARP. This is an organization that seeks to provide a positive environment to people over the age of 50. This is known as the American Association of Retired Persons. As a member of AARP, you are entitled to all the AARP health benefits, programs, AARP providers, services, and advocacies that are part of the AARP operations at a sensible cost.

How to Get in Touch

We would love to hear from you. Send us an email and we'll get back to you as soon as possible !