A Medicare Supplement plan is designed to cover expenses that Original Medicare will not cover and that you would often have to pay out of your own pockets. AARP sells a nice selection of these, and you can check out their list of plans and see if they line up to your coverage needs at all.

Why We Recommend AARP

AARP is right near the top of the list when we talk about insurance carriers to suggest to seniors who want some extra coverage. We think AARP is a good choice because of their sterling commitment to customer service. They go above and beyond for their customers, and they do so by offering a lot of different services and perks that are exclusive to their members. You find typical perks and benefits such as access to medical professionals and healthy living programs that are customized to the member, but they also offer more than that because they are AARP. They have decades of experience dealing with seniors and retirees, and they have a lot of resources to draw upon to provide extra benefits for their members.

On top of that, AARP is a very strong company. As we mentioned, they have been around for decades, and that strength and stability means that the prices they offer are not going to change dramatically and unexpectedly, in most cases. You can expect their prices to stay pretty stable, even though they do go up just about every year, as is standard for the industry.

AARP is also a partner with United Healthcare. They were bought by United Healthcare some time back, and they will continue to be partners until at least 2025. That is added stability and strength, along with some added resources and the potential for added benefits. If you are looking for a company with a lot to offer and access to tons of resources, then AARP is really the best option in that regard.

They don’t fare as well when tickets to pricing, but you can use our site and see how they do there and how they compare to the other providers on rates. Use this free resource to compare rates as often as you like. It costs you nothing and does not include any obligation to you.

What a Supplement Plan Can Do

Let’s talk now about what Medicare Supplement plans can do for you and how they operate. These are a different kind of healthcare policy than most because they actually require a base plan to work. Your Supplement plan will only be valid if you first have an Original Medicare plan. Without the plan, the Supplement plan doesn’t function, so make sure you have Original Medicare and keep in mind that you are allowed to sign up for both of these kinds of plans at the same time. You just won’t receive any coverage from your Supplement plan until the Original Medicare plan is active.

AARP Medicare Supplement plans for 2020 are able to cover expenses like deductibles, coinsurance, blood, foreign travel exchange, copayments, and excess charges. The cover these items for you fully or partially, depending on the plan that you choose. You can pick from one of eight main plans that offer different levels of coverage. Most people will choose Plan G, which covers all of the supplementary expenses except for Part B’s annual deductible of $185.

If you want a full coverage plan, there is Plan F, but it will only be made available for people who have it already. Those people can renew their Plan F coverage, but everyone else will have to pick another plan, since Plan F is now considered discontinued.

You may want to look at Plan N as well, which is another Supplement plan with a lot of coverage. It takes care of most supplementary expenses for you, but it will not cover the Part B excess charges or Part B deductible, as well as some of the smaller copayments related to Part B. All the other supplemental expenses are covered by this robust plan, and it is considered done of the more economical choices. If our can use all the coverage that Plan N has to offer, we suggest that you choose that as your coverage plan, since it is likely to save you the most money out of all of them.

How You Can Save on Supplemental Insurance

We mentioned a lot of items that your Supplement plan could cover for you. It may come as a surprise to you that even those plans that are nearly comprehensive in their coverage are often pretty affordable. The cost of these plans is entirely up to the insurance companies like AARP and others. However, these companies are directly competing against one another for your dollars. They often have to keep their prices affordable and competitive in order to snag subscribers, so you can get some good deals on the coverage plan that you want. Just use our site to source as many quotes as you can and see who has the best price.

You can use this to see what AARP’s prices are for Supplement plans, and the price comparison tool we provide is a great way to ensure that you don’t overpay for the coverage plan that you want. As prices change, you can come back and check on them here and see if you need to switch plans or providers to keep your plan affordable.

The AARP Medicare Supplement plans for 2020 are open to any senior who is 65 or older and who is eligible for Medicare coverage. Once you can sign up for the basic Medicare plan, you can also sign up for the Supplement plans. We suggest that you look at these plans and see if any of them pique your interest or look like they could benefit you. Like many seniors, you may be able to save money on healthcare with one of them and get your medical expenses to an affordable rate for the coming year.