FYI: To learn more about our favorite Medicare Advantage plans, check out our guide to this year’s best Medicare Advantage providers.
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November 10, 2023
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We picked out a few more recommendations worth considering:
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 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.
| 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 |
| 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 |
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:
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.
AARP Medicare Advantage serves all 50 states. However, not all counties offer it, so check if coverage is available in your area.
Before choosing a Medicare Advantage plan, it's a good idea to research what others are saying.
To learn more about our favorite Medicare Advantage providers, check out our other reviews:
AARP offers a variety of HMO, PPO, and SNPs. However, not all are available in every location.
AARP Medicare Advantage is offered in all 50 states, but not all counties provide it.
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.
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.