There are many seniors today who are curious about comparing 2018 AARP Medicare Supplement Plans. Many of them are looking to fill the gaps leftover by original Medicare. Although AARP is not a health insurance provider, as a non profit organization that helps some 40 million members learn about the important resources available to Americans in their later years. Whether it’s for help with finances, political issues or health insurance concerns, AARP is an important resource for many Americans. AARP was founded in 1958 by Ethel Percy Andrus and its headquarters are in Washington D.C. You can reach a representative from AARP using their toll free telephone number 1-888-687-2277.
For those looking for more information on 2018 Medicare Supplement Plans from AARP here’s what you need to know. Most of the time when a friend or family member or even a commercial mentions Medicare Supplement Insurance from AARP they’re most likely talking about Medicare Supplement Plans from Unitedhealthcare. The reality is that like AARP, UnitedHealthCare continues to be one of the biggest supporters for seniors in the United States. In fact almost 30% of everyone enjoying Medicare benefits most likely have supplemental insurance from UnitedHealthCare. Many of American seniors also enjoy a Medicare Advantage plan from UnitedHealthCare company. If you’re in the market for a Medicare plan of any kind in 2018, you can’t go wrong by choosing UnitedHealthCare.
Why should you choose a supplemental insurance from UnitedHealthCare?
When working with seniors looking for quality Medicare coverage, we always want to speak to them personally before offering advice over the Internet. There are a lot of great Medicare Supplement providers out there. When choosing which supplemental insurance is right for you it’s always good to start with knowing your needs and then speaking to a licensed agent to best identify which Medicare Supplement plan is a good fit for you in 2018. Again, we would encourage you to speak to a licensed healthcare professional before buying supplemental insurance.
What makes supplemental insurance from AARP in such high demand?
One thing to remember is that 2018 Medicare Advantage Plans can be appealing to many seniors because they offer competitive rates. This would include the popular Medicare Part D plan. However, what you may not realize is that there are a growing number of seniors who are starting to realize the value of having a Medicare Supplement Plan, also known as a Medigap plan. Again, whether you want to compare a Medigap plan or an Advantage Plan, we recommend that you speak to a licensed Medicare specialist before making any final decisions.
Although Medicare Advantage Plans are popular among many Medicare recipients you’ll need to know that will seek to control their costs by using a provider network. What this means for you is that you’ll have to stay within a certain network of doctors, clinics and other health care services. For some Medicare providers, they want more choices and therefore don’t want to be limited to use specific doctors and hospitals. The other thing to remember about Medicare Advantage Plans is that although the monthly premiums seem very affordable, you’ll most likely pay more for various services and deductibles. For many Medicare recipients, this means a Medicare Advantage plan could cost them much more in the long run than they initially thought.
For many seniors, traveling is an important part of their retirement. Many of them enjoy traveling the country with friends and visiting loved ones. In this sense a Medicare Advantage may actually be a disadvantage as it can be harder to get the health care you need if you’re not close to home. Many seniors have found that a Medigap plan serves them better since they love to travel and want to be able to get the health care they need and deserve while they’re on the road. This is just something to remember when comparing AARP Medicare Supplement plans in 2018.
So here’s a quick recap of what you need to remember as you’re comparing 2018 Medicare plans online. Medicare Advantage Plans may seem less expensive monthly but in the long run could cost you more in extra costs. Also, a Medicare Advantage plan will limit your choices when it comes to doctors, clinics and other health services.
Medicare Supplement plans may end up costing you more in your monthly premiums but chances are they will cover more than a Medicare Advantage plan and you have the freedom to choose doctors and clinics etc. outside a specific network. This is especially valuable to those who enjoy traveling in their laters years.
Again, each person’s health care needs is different. Our goal is to provide you with all of the possibly choices you have when it comes supplemental insurance options in 2018. However, we also know that it’s important to you that keep your Medicare costs low while at the same time ensuring that you have peace of mind. Whether you want to be able to have greater choices in Medicare coverage or you simply want to get the best health care from Medicare in your later years, our goal is to help you get the best bang for your buck when it comes to finding a Medigap or Advantage plan in 2018.
So let’s say you are already enrolled in original Medicare Part A or Medicare Part B. But now you’re interested in adding a supplemental insurance plan that has freedom of choice, reduces your monthly out-of-pocket expenses and provides peace of mind all year long. Then there might be a good options available for in for a 2018 Medicare Supplement Plan from AARP.
So now let’s talk about what is included in some of AARP’s Medicare Supplement plans in 2018. This is by no way an exhaustive overview but just a means of highlighting what you need to know about these Medigap plans.
First off let’s talk about networks. As you know many health insurance plans have networks that include specific doctors, specialist, clinics and hospitals that you are have to choose to see a doctor. One of the most popular features of AARP Medicare Supplement plans is that you have the choice to choose your doctor or health care clinic/hospital. No matter where you are in the country, if a doctor or health care facility accepts Medicare, than you will be accepted as well.
If you are currently a member of AARP you could also get some benefits or discounts because of your membership. This would also include a possible free membership at a local health club for Silver Sneaker members. Now to be clear, this isn’t necessarily related to health insurance, it’s just an added benefit you might receive with an AARP Medigap plan.
Finally one of the most popular features of supplemental insurance from AARP is the standard health care coverage you will receive. We talk with many seniors who are frustrated when their Medicare plan changes from year to year. AARP Medigap plans sent to be standardized without a lot of change year in and year out.
When comparing 2018 Medigap Plans usually seniors can choose from about ten different supplement plans. You’ve probably heard about many of these plans. They usually have a name like Medicare Plan A or Medicare Plan N. However, we’ve noticed over time that the most popular AARP supplemental insurance plans tend to be a Medicare Supplement Plan F, Medicare Plan G and Medicare Plan N. If you’re on a fixed income and looking to keep cost low, one of these plans may suit you better than the other. We recommend looking at several different plans side by side when comparing supplemental health insurance plans from UnitedHealthCare.
So now let’s look at each plan separately in order to get an overview of what’s provided. When it comes to a Medicare Supplement Plan F from AARP this tends to be the most expensive Medigap plan. Although it will cost you more per month it usually covers most if not all of the health care services provided by Medicare. If you want the greatest peace of mind, then a 2018 Medicare Supplement Plan F from AARP can be a great choice.
When it comes to Medicare Supplement Plan G from AARP the only noticeable difference from Medigap Plan F is that the only thing not covered would be your deductible on Part B for Original Medicare. Most Medicare recipients may remember that the annual deductible for Original Medicare Part B is only about $180. This is one reason many seniors opt for Plan G. They can save money monthly by giving up that co payment on their deductible. Truth be told, many times that money you save throughout the year on Plan G more than covers the difference if you would have had plan F.
When it comes to Seniors who are on a limited budget each month, a Medicare Supplement Plan n from AARP in 2018 could be the right choice for you. If you’re worried about paying more per month then a Medicare Supplement Plan end might be a better option than Plan F or Plan G. Also something to remember Medicare Supplement Plan G from AARP can also be very affordable to ensure that your not over-spending each month.
We should mention that a Medicare Supplement Plan F from AARP offers special coverage for Your Part B deductible. This has proven to be a good option for seniors who are worried about extra charges each month. not only that but Medicare Part F from AARP offers co-insurance whereas plan n doesn’t cover extra charges or any co-payment on Part B.
So when it comes to figuring out which Medicare Supplement Plan from AARP might be the right choice for you in 2018 you have some options. Whether you choose to go with Medicare Plan F Medicare Plan G, or Medicare Plan N, really depends on your individual needs. As we stated earlier it’s always good to speak with a licensed Medicare professional in order to identify what type of Medicare Supplement Plan will work for you and your family in 2018.
If you are familiar with Medicare then you probably remember a time where senior struggle to have their prescription drug costs covered with a Medicare policy. One of the main reasons that this happened was because original Medicare didn’t provide any coverage for prescription drugs. Because of this many seniors who were enrolled in original Medicare felt the burden of the cost of prescription drug coverage. so one thing to remember is that if you are a part of AARP and you’re interested in a Medigap plan from them there are some discounts that you may be able to get for your prescription drug coverage. Many seniors are curious about Medicare Part D plans in 2018. It’s important to remember that if you would like to purchase a Medicare Part D policy you will need to do so separately from AARP.
If you have other questions about 2018 Medicare supplement plans from AARP, feel free to give us a call. Otherwise you are welcome to compare the best 2018 Medigap plans in your area using the ZIP code box at the top of the page.