AARP Supplemental Health Insurance: Enhancing Your Coverage and Peace of Mind

Supplemental health insurance plays a vital role in filling the gaps left by primary health insurance plans. In this article, we'll explore the benefits and advantages of AARP supplemental health insurance, how it complements primary coverage, and why it is a valuable option for individuals seeking comprehensive healthcare protection.

What is AARP Supplemental Health Insurance

AARP supplemental health insurance, also known as Medigap, is a private health insurance plan that helps pay for some of the out-of-pocket costs that Original Medicare doesn't cover. Original Medicare is made up of two parts: Part A (hospital insurance) and Part B (medical insurance).

AARP Supplemental Health Insurance

AARP Supplemental Health Insurance

Medigap plans can help cover:

  • Part A deductible: The annual deductible for Part A is $1,556 in 2023. Medigap plans can cover all or part of this deductible.
  • Part B coinsurance: Part B covers 80% of most doctor visits and other medical services. Medigap plans can cover the remaining 20%, or they can offer a higher level of coverage that pays for more of the cost.
  • Part B excess charges: Some doctors and other health care providers charge more than Medicare's approved amount for Part B services. Medigap plans can cover these excess charges.
  • Skilled nursing facility care: Part A covers up to 100 days of skilled nursing facility care after a hospital stay. Medigap plans can cover some or all of the cost of additional days of skilled nursing facility care.
  • Home health care: Part A covers home health care if you are homebound and need skilled care. Medigap plans can cover some or all of the cost of home health care.
  • Medicare Part D prescription drug coverage: Medigap plans do not cover prescription drugs. You will need to purchase a separate Medicare Part D plan to get prescription drug coverage.

There are 10 standardized Medigap plans available in all 50 states and the District of Columbia. Each plan has a different set of benefits, so it is important to compare plans carefully before you choose one. You can compare Medigap plans using the Medicare Plan Finder tool on the Medicare website.

If you are considering purchasing a Medigap plan, you should do so during your Medigap open enrollment period. This is a six-month period that begins the first day of the month you turn 65 years old and are enrolled in Medicare Part B. During this time, you can purchase a Medigap plan without having to answer health questions.

After your Medigap open enrollment period ends, you may still be able to purchase a Medigap plan, but you may have to answer health questions and be accepted for coverage.

Here are some of the benefits of AARP Medicare supplement plans:

  • Discounts: AARP members who purchase an AARP Medicare supplement plan may be eligible for discounts on things like vision, hearing, and dental care.
  • 24/7 customer service: AARP Medicare supplement plans offer 24/7 customer service, so you can get help with your plan any time of day or night.
  • Member benefits: AARP Medicare supplement plan members may be eligible for other AARP benefits, such as discounts on travel, entertainment, and other products and services.

If you are looking for a Medicare supplement plan, an AARP Medicare supplement plan may be a good option for you.

Here are some of the differences between AARP Medicare supplement plans and other Medigap plans:

  • Cost: AARP Medicare supplement plans tend to be more expensive than other Medigap plans.
  • Availability: AARP Medicare supplement plans are not available in all states.
  • Benefits: AARP Medicare supplement plans offer the same basic benefits as other Medigap plans, but they may also offer some additional benefits, such as discounts on vision, hearing, and dental care.

If you are considering purchasing an AARP Medicare supplement plan, it is important to compare plans carefully and to make sure that you understand the terms and conditions of the plan before you sign up.

Understanding AARP Supplemental Health Insurance:

AARP supplemental health insurance is designed to provide additional coverage beyond what primary health insurance plans offer. With a variety of coverage options and plan types available, AARP caters to the unique needs of its members. These plans are specifically tailored to complement primary insurance and provide an extra layer of financial protection.
AARP Supplemental Health Insurance

Benefits of AARP Supplemental Health Insurance:

One of the significant benefits of AARP supplemental health insurance is its ability to cover out-of-pocket costs and deductibles. It helps protect you from unexpected medical expenses that may arise, offering a sense of security and peace of mind. Additionally, AARP plans often include additional benefits like vision, dental, and prescription drug coverage, ensuring comprehensive care for its members. Moreover, AARP plans provide the flexibility to choose any doctor or specialist, allowing you to receive care from trusted healthcare providers.

Enrolling in AARP Supplemental Health Insurance:

To enroll in AARP supplemental health insurance, you need to meet specific eligibility requirements, such as being an AARP member. Understanding the enrollment periods and knowing when to apply for coverage is crucial. Take the time to compare different AARP plans, considering factors such as coverage, costs, and your specific healthcare needs. Once you've made your decision, the enrollment process is straightforward, requiring necessary documentation and completing the application.

Costs and Pricing of AARP Supplemental Health Insurance:

AARP supplemental health insurance plans come with different pricing structures, including premiums and cost-sharing. The cost of your plan depends on various factors, such as your age, location, and the specific plan you choose. It's important to compare costs between different AARP plan options to find the one that fits your budget. Managing and budgeting for supplemental health insurance expenses is achievable with careful planning and considering your healthcare needs.

Frequently Asked Questions (FAQs) about AARP Supplemental Health Insurance:

  • Can I get AARP supplemental health insurance if I already have primary insurance?
  • Is AARP supplemental health insurance available for individuals under 65?
  • What is the process for filing claims with AARP supplemental health insurance?
  • Can I still keep my AARP supplemental health insurance if I change jobs?


AARP supplemental health insurance offers a valuable solution for individuals looking to enhance their primary health insurance coverage. By understanding the benefits, enrollment process, costs, and frequently asked questions about AARP plans, you can make an informed decision regarding your healthcare needs.

Thorough research, comparison, and consultation with a licensed agent will ensure you find the best AARP supplemental health insurance plan that suits your unique circumstances. Explore the resources available through AARP and take control of your healthcare coverage today.

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