If you are interested in knowing about My AARP Medicare Advantage, then you are at the right place as in this article we will be trying to include as much as information you need to know about the AARP Medicare insurance plan.
What is AARP?
AARP stands for American Association of Retired Persons and is an interest group operating within the United States of America dedicated to the welfare of senior citizens of US.
AARP was formed back in 1958 and currently has over 38,000,000 members availing different services from the organization.
The different services offered by AARP includes financial services, legal assistance, insurance coverages and more.
What is Medicare?
Medicare is a health insurance scheme instituted by the United States federal government and offered by AARP.
Medicare health insurance coverage can be availed by citizens who are at least 65 years in age. U.S. citizens who are under the age of 65 can also avail Medicare health insurance if they are disabled or is facing ESRD (End-Stage Renal Disease).
There are several types/parts of Medicare health insurance that cater to the different needs of people who need a health insurance. Therefore, it is important that you know about the different Medicare parts so that you can choose the one that best fits your needs.
Below we have listed out the Medicare parts that are currently available for eligible candidates.
- Medicare Part A: This is for hospital insurance coverage and Part A covers hospice care, certain home-based health care, stays in the hospital, and professional nursing facility care.
- Medicare Part B: Part B of Medicare is for medical insurance and covers certain types of services by doctors, preventive services, care by the outpatient department, and medicines.
- Medicare Part C: The Part C allows private insurance agencies to offer Medicare medical insurance coverage to customers. The private agencies that provide Medicare insurance can also include additional benefits and perks to the service that are offered to their customers.
- Medicare Part D: Part D of Medicare insurance covers prescription drugs under the original Medicare insurance, Medicare Cost, Medicare Private-Fee-for-Service, and Medicare Medicare Savings Account plans.
What is My AARP Medicare Advantage?
Medicare Advantage, also known as My AARP Medicare Advantage, is an insurance plan under Medicare by AARP that combines the benefits of Part A and Part B of Medicare insurance that we described above.
Medicare Advantage Plan is also known as Part C from the above section wherein it offers a complete medical insurance coverage to people incorporating the good benefits of both Part A and Part B of Medicare.
Here are all the important points that you should be aware of about the AARP Medicare Advantage Plans:
- Advantage plans will cover all the services under Medicare for you. Some plans (dependent on the provider) will also provide you with additional coverage like claims related to dental, hearing, and vision treatment.
- The monthly cost for Medicare Advantage plans that you will have to pay will depend on various factors. You can know in detail about these factors by clicking here.
- Most of the plans under Medicare Advantage will cover Part D which stands for Prescription Drug Coverage. However, you can also join a different Prescription Drug Plan by Medicare in case you aren’t offered prescription drug coverage within your Medicare Advantage plan.
- You will be removed from being able to enjoy Medicare Advantage plan and enrolled back to the original Medicare plan in case you are already enrolled in a Medicare Advantage PPO or HMO. You will also have your Medicare Advantage access revoked in case you join a different Medicare Prescription Drug Plan.
What Countries Accept US Medicare?
For those who are interested to know about the countries that accept United States Medicare insurance plans, you should know that the options are very limited.
To explain you better, the phrase “Outside the United States” within the terms and conditions of your insurance policies refers to other locations that belongs to the United States territory but is not included within the 50 states.
These locations include the District of Columbia, the U.S. Virgin Islands, Guam, Northern Mariana Islands, Puerto Rico, and American Samoa.
However, below are some of the situations where you can avail Medicare insurance coverage on any hospital outside the United States of America:
- You are currently residing in the United States and a hospital in a foreign country is closer to you at the moment than any United States hospital for your treatment (nevermind whether you are facing an emergency or not).
- If you are currently on travel within Canada without any delay and if you are in between a direct route that connects Alaska and any other U.S. state when you face an emergency, and you are closer in distance to a Canadian hospital than a hospital in the U.S., then you can treat your injury or illness (depending on whether you claim gets approved).