
As you reach the age of 65, you become eligible for Medicare, a government-sponsored health insurance program. Although Medicare covers many health care expenses, it doesn’t cover everything. That’s why many people opt for additional coverage, such as Medicare Advantage plans. AARP Medicare Advantage is one such plan that offers comprehensive coverage with low out-of-pocket costs. In this article, we will discuss AARP Medicare Advantage, its pros and cons, eligibility requirements, and how to choose the right plan.
2. What is AARP Medicare Advantage?

a. Definition : AARP Medicare Advantage is a health insurance plan offered by UnitedHealthcare in partnership with AARP. It provides additional coverage for Medicare beneficiaries, including hospitalization, outpatient care, and prescription drugs.
b. Coverage : AARP Medicare Advantage offers comprehensive coverage that includes everything covered by original Medicare, such as hospitalization (Part A) and outpatient care (Part B). It also includes prescription drug coverage (Part D) and additional benefits, such as vision, dental, and hearing coverage. Some plans may also offer fitness and wellness programs, transportation, and over-the-counter medication benefits.
c. Eligibility : To enroll in AARP Medicare Advantage, you must be enrolled in Medicare Part A and Part B. You must also reside in the plan’s service area and not have end-stage renal disease (ESRD).
3. Pros of AARP Medicare Advantage

a. Comprehensive Coverage : AARP Medicare Advantage offers comprehensive coverage that includes everything covered by original Medicare, plus additional benefits. This means you can get all your health care needs covered under one plan.
b. Low Out-of-Pocket Costs : AARP Medicare Advantage plans have low out-of-pocket costs, including low deductibles and copays. This can help you save money on your health care expenses, especially if you have chronic health conditions that require regular doctor visits and medication.
c. Extra Benefits : AARP Medicare Advantage plans offer extra benefits that are not covered by original Medicare, such as vision, dental, and hearing coverage. Some plans may also offer fitness and wellness programs, transportation, and over-the-counter medication benefits.
4.Cons of AARP Medicare Advantage

a. Network Restrictions : AARP Medicare Advantage plans may have network restrictions, which means you may have to use providers within the plan’s network to receive coverage. This can limit your choices and may require you to switch doctors if your current provider is not in the network.
b. Lack of Flexibility : AARP Medicare Advantage plans may have limited flexibility, meaning you may not be able to choose your own doctors or hospitals. You may also need prior authorization for certain medical services, which can delay your care.
c. Limited Availability : AARP Medicare Advantage plans may not be available in all areas, so you may not have access to these plans even if you meet the eligibility requirements.
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