The American Association of Retired Persons, commonly known as AARP, is a nonprofit, nonpartisan organization founded to address the needs of elderly people in the country. As we know, Original Medicare, comprising Part A and Part B, covers healthcare costs only to an extent. To cover your costs further, you may need AARP Medicare Supplement plans. Essentially, these plans cover some portion of the bill that Medicare doesn’t cover and you are left to pay out of pocket.

The benefits of Medicare Supplement insurance plans are standardized and laid down by the federal government. This means that no matter which insurance provider you choose, the basic benefit structure for all plans is the same.

Features

• The plan helps cover a few important out-of-pocket expenses that Medicare does not include.
• There are several coverage plans to choose from according to your needs and affordability.
• You can continue visiting your preferred doctor, but they should accept Medicare patients.
• The coverage that can be used across the states in the country.
• You can visit any specialist of your choice without a referral, but they should accept Medicare patients.
• It offers a guaranteed lifetime coverage as long as you pay the premium on time and your applications are free of any material misrepresentation.

Coverage benefits

All AARP Medicare Supplement plans, irrespective of the insurance company, provide this coverage.

• All hospital costs and Medicare Part A coinsurance amounts. The costs can be covered for up to an additional 365 days after Medicare benefits are used.
• Coinsurance or copayment amounts for Medicare Part B
• Blood transfusions cost for the first three units of blood
• Cost of Medicare Part A hospice or respite care coinsurance or copayment

There are other plans that may provide some additional benefits, such as the following.

• Coinsurance or copayment costs for skilled nursing facilities
• Medicare Part A and Part B deductible amount
• Medicare Part B extra charges
• Foreign travel emergency cost that includes immediate care required because of a sudden and unexpected injury or illness

It is important to know that the benefits and costs can vary depending on the plan you prefer. To understand various AARP Medicare Supplement plans in detail, you may check out the official AARP website.