A Guide to AARP Medicare Advantage Plans in 2024
AARP Medicare Advantage offers a variety of plan types, such as HMO, PPO, and special needs programs (SNPs). These include extra benefits like wellness classes, fitness memberships, and hearing, dental, and vision coverage. AARP Medicare plans are great if you want additional coverage beyond Original Medicare.
FYI: To learn more about our favorite Medicare Advantage plans, check out our guide to this year’s best Medicare Advantage providers.
AARP Medicare Advantage Pros and Cons
Pros
- $0 copays: Many AARP Medicare Advantage plans have $0 copays for primary care, virtual visits, and lab tests.
- Low monthly premiums: Many AARP Medicare Advantage plans require $0 in monthly premiums.
- Prescription drug coverage: If prescription drug coverage is included in your Medicare Advantage plan, you may have a $0 copay and deductible on Tier 1 and 2 prescription drugs. You'll also have access to a vast pharmacy network (both local and national).
- Vision coverage: Many Medicare Advantage plans offer you one free yearly eye exam, which includes a free pair of frames and prescription lenses, something that Original Medicare will not cover.
Cons
- Higher premiums: If you have a PPO Medicare Advantage plan, the premium cost may be higher than average compared to other areas.
- Subpar customer service: Many customer service reviews are often negative.
- Limited service areas: While AARP Medicare Advantage is available in every state, not all counties offer it.
Our Top-Rated Carriers
AARP Medicare Advantage plans are not offered everywhere. If you live outside of their regions, then we'd recommend checking out plans from our top-rated carriers.
AARP Medicare Advantage Costs
AARP Medicare Advantage plans cost as low as $0 per month in terms of premiums; however, you'll also want to consider your deductibles, copays, and other applicable charges.
AARP HMO Pricing
| Location | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
|---|---|---|---|
| Connecticut | $0-$91 | $0 | $4,700-$6,700 |
| Florida | $0 | $0 | $2,900-$3,400 |
| New York | $0 | $0 | $7,550 |
| Texas | $0-$73 | $0 | $3,200-$5,400 |
AARP PPO Pricing
| Plan | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
|---|---|---|---|
| Connecticut | $0-$55 | $0 | $6,700-7,550 |
| Florida | $0 | $0 | $3,400-$6,700 |
| New York | $0-$84 | $0 | $6,700-$7,200 |
| Texas | $0-$49 | $0 | $6,700-$7,550 |
Current Medicare Advantage Plans
HMO/HMO-POS
HMO plans are the most popular due to their low premiums and costs. When you choose an HMO, you'll have a tighter network with a primary care physician that manages your health care. You'll need a referral or authorization to see specialists and receive some health care services.
HMO-POS plans allow you to seek some services from out-of-network providers. This benefit will vary depending on your plan, so reviewing your plan's evidence of coverage is essential.
PPO
PPO plans offer more freedom than their HMO counterparts but usually have higher costs when using the plan. You can save money by using in-network providers.
UHC has programs that allow you to see providers out of your service area as well as within the network. You'll want to review your plan materials and plan ahead to use these benefits.
SNP
If you have a chronic condition, are dual-eligible for Medicare and Medicaid, or reside in a long-term care facility, SNPs are for you. While they're HMO-designed, they're not as available as other plans.
Additional Benefits
If your AARP Medicare Advantage plan offers additional benefits, these can entail:
Fitness
With Renew Active, you'll have access to a free nationwide fitness membership, which includes premium locations. Additional perks are:
- On-demand workout videos and livestreaming fitness classes
- Social activities at local health and wellness classes/events
- Personalized fitness plan
- Online Fitbit community (no Fitbit required)
- Online health program where you'll receive exclusive AARP Staying Sharp content
- Plan-specific incentives offered through Renew Rewards
Dental
Your dental coverage will cover various services like X-rays, exams, fluoride, and routine cleaning. Depending on the coverage type, you may also receive fillings, deep cleanings, crowns/bridges, root canals, and dental implants at no or little cost.
Vision/Hearing
Many Medicare Advantage plans have a $0 copay on yearly routine eye exams. You'll also receive an allowance for frames and contacts and a free standard prescription lens.
Hearing coverage is typically available. If so, you can get a routine exam at $0. You'll also be able to choose from a wide range of brand-name hearing aids or UnitedHealthcare Hearing's brand Relate.
Telemedicine
Virtual visits may be covered, where you'll have a $0 copay to discuss non-emergency medical concerns or general mental health.
Customer Service
You can reach an AARP Medicare Advantage representative in several ways.
- Chatting with an agent on AARP's website
- Making an appointment with a licensed insurance agent/provider
- Calling 866-948-2668 or the number on the back of your member ID card from 8 a.m. to 8 p.m. any day of the week
>> Related Reading: Is Medicare Advantage a Scam?
AARP Medicare Advantage Service Area
AARP Medicare Advantage serves all 50 states. However, not all counties offer it, so check if coverage is available in your area.
AARP Financial Strength
Before choosing a Medicare Advantage plan, it's a good idea to research what others are saying.
- AM Best: Rated AARP an A- (Excellent)
- NCQA: On a scale of 1-5, AARP was ranked between 3.5-4 stars
To learn more about our favorite Medicare Advantage providers, check out our other reviews:
Frequently Asked Questions
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Which Medicare Advantage plans are offered by AARP?
AARP offers a variety of HMO, PPO, and SNPs. However, not all are available in every location.
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How many states have AARP Medicare Advantage plans?
AARP Medicare Advantage is offered in all 50 states, but not all counties provide it.
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What does AARP Medicare Advantage cover?
You’ll receive all the coverage of Original Medicare, as well as over-the-counter credits, prescription drug coverage, and extra benefits like fitness memberships, telehealth access, and dental/vision/hearing care.
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Which is better: AARP Medigap or Medicare Advantage?
While it’s simply a personal preference, AARP Medicare Advantage is a great choice. You’ll receive extensive coverage through many of their plans at a low cost. When comparing the two, it’s essential to recognize that Medicare Parts A and B don’t cover all health care costs.
