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Everything you need to know to pick the right AARP medicare supplement plan

Medicare is the need of the hour. But parts A and B do not necessarily cover all aspects of healthcare and they definitely do not pay all costs. This is the reason why you need to get a supplement plan, which is also known as Medigap.

The AARP (American Association of Retired Persons) Medicare supplement plan is one such supplementary insurance that is backed by UnitedHealthcare.

How does one enroll or apply to the AARP medicare supplement plan?

The criteria to be eligible for an AARP Medigap is that you should be enrolled in both Medicare Parts A and B. To be accepted into the supplement plan, you apply for it during the six month period, where you are enrolled into part B of medicare and at least 65 years old. Though, in some states, there is no such limited time period.

Now that you know the criteria for enrollment, let’s take a look at how you can choose the right plan for you.

What you should know before choosing the right AARP Medicare supplement plan

Before you dive into the depths of plans and what they have to offer, you need to note down your healthcare needs, your budget, and the benefits that you are looking for. This will help you choose a plan with ease.

Plans A and B: The Medicare supplement plan also comes with Plans A and B. Plan A offers the basic benefits. Plan B covers the basic benefits plus the deductible that comes from Medicare Part A, which is a huge expense in case of emergencies. Both plans have low premiums but high expenses.

Plans C+, F+, and G: Each of these plans have significant benefits and cover most of the out-of-pocket expenses for services that have been approved by Medicare. Yes, the monthly premium is more, but it is totally worth it because you get a number of benefits.

Plans K and L: These plans are cost-sharing plans, which means you pay a low premium but split the medical expenses. Once the limit of your expenses is reached, these plans cover 100% of the costs.

Plan N: Plan N comes with a mid-range premium that covers the coinsurance for Part B of your medical insurance. It helps with visits to the emergency room and doctors’ offices.

Now that you have all this information, go ahead and check out which plans suit you the best.

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