With Medicare Advantage (MA) plans – Medicare Part C as it is sometimes called – you can enjoy all the benefits of Medicare Part A and B. most of them come with benefits like a nurse helpline, a wellness services, a fitness program, and a routine vision and hearing care. If you would like coverage beyond what Original Medicare offers (excluding prescription drug coverage depending on the plan), then an MA plan might be just what you need.
Why AARP Medicare Advantage
With an AARP Medicare Advantage plan, you will receive all the benefits of Part A, those of Part B as well as prescription drug coverage from Part D in one easy and convenient plan. An AARP advantage plan may be the choice if you want all the benefits of an MA plan as well as coverage for prescription drugs.
Types of AARP Advantage plans
AARP advantage plans come in many forms and information can be found at https://www.medicareadvantage2019.org/aarp-medicare-advantage-plans-2019/
- Health Maintenance Organization (HMO) Plans
If you subscribe to this option, you will be required to get services from AARP’s network of local providers except for urgent care visits, emergency room visits, and renal dialysis services. A referral might be needed to see a specialist depending on the type of HMO you subscribed to. Your out-of-pocket costs will generally be lower than that of PPO and POS.
- Point-of-Service (POS) Plans
This is similar to HMO but with more flexibility. POS plans allows you to see providers outside the network for certain services. However, it might cost you more to do so. A referral might be needed if you are planning to see a specialist. Out-of-pocket costs tend to be higher than that of HMO but lower than PPO.
- Preferred Provider Organization (PPO) Plans
Another flexible plan that lets you visit providers outside the network for all services covered. It may, however, be rather expensive to do so. PPO does not require referrals from any patient who wishes to see a specialist. Out-of-pocket costs are higher than HMO and PPO plan.
- Private Fee-for-Service (PFFS) Plans
United Healthcare, through AARP, also offers non-network PFFS plans. This simply means you are free to use any hospital or doctor that is approved by Medicare and accepts the terms and condition of the plan you are subscribed to. Referrals are not required if you are going to see a specialist.
Are you new to Medicare? Moving? Turning 65? Retiring? Do you qualify for assistance or have some other qualifying situation? Then you are probably eligible to enroll in an AARP MA plan.