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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.
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
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AARP PPO Pricing
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Current Medicare Advantage Plans
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 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.
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.
If your AARP Medicare Advantage plan offers additional benefits, these can entail:
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
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.
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.
Virtual visits may be covered, where you'll have a $0 copay to discuss non-emergency medical concerns or general mental health.
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
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: