AARP health insurance provides coverage to many Americans over the age of 50. Many people that are looking for AARP health insurance do not realize that AARP does not actually provide insurance to anyone. They are not an insurance company at all, but an organization that makes recommendations and contracts with insurance providers. The AARP is the largest group in the United States and when it officially recommends something, it will bring in a lot of business for that product. So how does this form of insurance actually work?
The AARP Symbol
Since AARP does not actually sell insurance, you need to realize that you will be doing business with a separate company for your health insurance needs. This means that your coverage will be provided by someone else that is simply recommended by the AARP. They pay AARP a large fee in order to use their trademark on their policy. Therefore, it might actually be more expensive for you to use an AARP endorsed policy than a using a regular policy. Before you sign up for an AARP policy, shop around a little bit first. They are not always the cheapest option out there.
Prior to Medicare
One thing that AARP health insurance does is provide health coverage to those that are not eligible for Medicare. This is common for people who retire around the age of 50. They are not quite eligible for Medicare yet, but they still need health insurance because they are not on their employer policy anymore. This is a way to obtain full coverage medical insurance after you retire from your job. With an AARP membership, you are more likely to be approved for the coverage you need.
AARP Medicare Supplement Insurance
For those old enough to use Medicare, it will become painfully clear that you need AARP supplemental health insurance right away. Medicare only covers certain things in your medical coverage. There are a few different plans that you can choose from with Medicare and when you choose one you will undoubtedly lose something that you need. You can either pay these astronomical expenses out of your pocket or you can get a Medicare supplemental insurance policy. AARP promotes some good supplemental policies that can help fill in the many gaps that are left by Medicare coverage.
For example, not all of your medicines will be covered by Medicare. Even outpatient surgery is not always covered by Medicare. Although it is obvious that you need these things, Medicare does not cover them. Therefore, it is up to you to get a Medicare supplement or pay the balance out of your pocket. If you have several health concerns, then you will probably need a supplement. Medical care costs a hefty sum and without proper insurance coverage, you will be left holding the bill. Your retirement years are designed to be the best years of your life. Don't let them be ruined by a few unnecessary medical bills.