AARP Medicare Complete 2020
AARP sells a few different kinds of Advantage plans. These are high coverage health insurance policies that are beneficial to seniors who have a lot of medical needs. Their highest coverage Advantage plans are known as Medicare Complete, and the AARP Medicare Complete 2020 plans are definitely ones you want to look into, if you are an eligible senior.
These offer a lot of coverage for healthcare services. They can take are of not just the basic Medicare Advantage coverage items but also some of the optional ones that are only in the highest coverage plans. We are going to look at what these plans can do for you and why you might be interested in one, if you are in the market for a healthcare plan.
Medicare Complete Covers a Ton of Healthcare Costs
What kinds of medical expenses will be covered by Medicare Complete? Well, like all Advantage plans, it will cover you for Medicare Part A and Part B. That’s inpatient and outpatient services, which covers most medical expenses that seniors experience. On top of that, the basic coverage includes all urgently needed medical care and all emergency treatment.
Of course, AARP’s Medicare Complete plan goes a lot further than that. It actually covers optional coverage that Advantage plans are not required to have. You could be covered for medical expenses like checkups. These can include checkups with hearing or vision specialists as well as checkups for general wellness. You can also be covered for some prescription items, like eyeglasses, hearing aids and more.
Medicare Complete could also cover you for an extensive prescription drug plan known as Medicare Part D. This covers you for all sorts of medications, including both generic and name brand ones. AARP has their own Part D version, which differs from those of other insurers, so be sure you look at what they will be covering before you sign up with them. You want to be sure you are being covered for relevant medications.
These are all the items that Medicare Complete could cover for you. AARP may change its plan and the coverage offered from time to time, so be aware of the potential for change and make sure you know what you are getting before you sign up. Once you agree to the terms of Medicare Complete, it will be difficult to change to a different plan until the full term of the plan has expired. The plan typically lasts for a full year, and after that point, you are welcome to change plans or just renew the one you have.
What Makes This Plan Unique
There are actually other Medicare Advantage plans that offer similar coverage, and these are being sold by other insurers besides AARP. There isn’t anything particularly unique about the AARP Medicare Complete 2020 coverage. What makes it stand out is that it is being sold by AARP and the benefits and coverage area that come with that status.
The benefits include all of AARP’s standard offerings, such as gym memberships, discounted medical services, expert medical advice that is available 24 hours a day, and more. They have a ton of different benefits that they offer, and that is the top reason why people choose them over other insurers, particularly since AARP can often be more expensive than much of the competition. Many seniors find their higher prices well worth it in order to benefit from their member perks.
Another reason the Complete plan is worth talking about is because AARP has a large coverage network. What this means is that there are a lot of medical facilities (clinics, hospitals, pharmacies, etc.) that have accepted their Medicare Advantage plans. If you sign up for an Advantage plan, then it will not be approved at every medical facility you go for treatment or services. There will be some places where your plan is not valid and accepted.
AARP boasts one of the largest coverage areas, or networks, of any insurance company, which means that its plans are accepted in more places. You will want to check to see if their coverage area extends to where you live before you sign up with them. Even if it doesn’t, though, there are still ways that you can get some coverage with the plan you chose. You could pick the PPO option, and that will permit you to be covered partially outside of AARP’s network. It gives you full coverage on the network, of course. For a cheaper option, you can go for the HMO selection. This covers you only on the network, so it isn’t meant for anyone who lives outside the network or travels frequently outside of AARP’s coverage area.
Save on Medicare Advantage
There are other options for Medicare Advantage plans than just AARP Medicare Complete. Many other insurance companies offer similar kinds of plans, and you may want to compare their rates to see who has the best deal. You may find that AARP is simply too expensive for you or that it is not offering you as much cost savings as you would like, especially when compared to the other insurers.
A really simple way to check the prices on AARP’s Complete plan and the Advantage plan of other insurance companies is to use our site. We have a built-in search tool that helps you find quotes for your local area. The quotes are sourced as soon as you search for them, so they are fresh and up to date. You can see a list of quotes and easily compare them to find the best deal.
Of course, you want to keep in mind all the benefits of AARP Medicare Complete 2020 and not just the cost relative to its coverage. There is more to this healthcare plan than just what kind of basic medical expenses it covers. You may also want to factor in the excellent reputation of AARP and how they often do a great job of taking care of their customers. Take your time in choosing a medical insurance plan to ensure you get a good one.
Compare Medicare Advantage for 2020