Medicare is designed to meet a person’s medical needs as he or she gets older. However, there are times when Medicare alone is not enough. Those who want top notch medical care throughout their senior years may want to consider purchasing the AARP Medicare Supplement. Following is a basic overview of this form of insurance along with tips on how to apply for it.
Medicare Supplement Plans from Mutual of AARP
Everyone knows that Medicare does not cover all of a senior’s medical expenses. This is why many individuals opt to purchase additional healthcare insurance. However, there are some factors that set AARP Medigap insurance apart from other forms of health insurance offered by private insurance companies.
AARP Medicare supplemental insurance does not require that a person get a doctor referral in order to see a specialist. This form of insurance also does not charge high premiums to people who either file numerous claims or develop serious health problems. The cost of an AARP insurance policy is determined at the time a person buys the policy. The company can raise the cost of the policy but this is done for all members across the board and it is not a common occurrence.
AARP Medigap insurance also allows a person to choose any doctor that is willing to accept Medicare patients. Furthermore, a person with this form of insurance is entitled to pharmaceutical discounts and vision discounts. Given the fact that an elderly person often has to spend a considerable amount of money on medicine every month, these discounts can enable a person to save hundreds of dollars every year.
What AARP Medicare Supplemental Plans Offer
AARP Medicare Supplement Insurance coverage varies depending on which exact form of coverage a person purchases. Most states allow a person to choose from seven different plans. Basic plans cover Medicare B coinsurance and basic hospitalization while plans that are more expensive cover hospice care and medical emergencies that occur when a policy holder is traveling outside the United States.
How to Apply for AARP Medicare Supplement Insurance
Applying for AARP Medigap insurance is not difficult. To compare quotes from all local providers in your state, please go to http://medicaresupplementalinsurancez.com and enter your zip code to get your quotes.
The Advantages of AARP Medigap Insurance
Senior citizens often require more medical care than they did in years past. While Medicare does provide extensive coverage, it does not cover all of a person’s medical needs, which is why it is a good idea to consider getting AARP Medicare Supplement insurance. This form of insurance has many perks and benefits, covers various bills that Medicare does not provide coverage for and is not difficult to obtain. The costs are reasonable, the coverage is extensive and the claim paperwork is very manageable. Given all that AARP Medigap insurance has to offer, it is not surprising that many people opt for this form of insurance as they get on in years.