AARP Medicare Complete 2020
Medicare created Advantage plans to provide seniors with powerful coverage for their medical expenses. AARP designed the Medicare Complete plan to be one of the most robust and comprehensive healthcare plans available. The AARP Medicare Complete 2020 plans are actually Medicare Advantage plans, but with the added benefits that United Healthcare and AARP are offering to seniors.
What’s in a Medicare Complete Plan?
If you sign up for Medicare Complete, then what kind of coverage would you be getting? Well, you will see all the regular coverage benefits that come included in any Medicare Advantage plan. So, you get coverage for all of Medicare Part A and Medicare Part B. You also get coverage for medical costs that are considered to be emergency costs or urgently needed costs.
That covers you for a lot of things- taking care of many unexpected expenses and services for you, as well as for the majority of your inpatient and outpatient costs you would have on a regular basis. This gives you exhaustive coverage that leaves little for you to pay, in most cases, but the Complete plan does more than offer just what we have covered so far. What we have talked about already is really just the basic Medicare Advantage plan. There are Advantage plans that go far beyond that, and Medicare Complete is one of them.
This kind of Medicare Advantage plan could cover you for medications, such as your prescription drugs. It could also cover the cost of checkups you may need to have done throughout the year, such as checkups for your hearing, vision or for just general wellness. Imagine having all of those expenses covered under one plan. That could help you consolidate your healthcare costs and give you less to worry about. You could enjoy peace of mind and know how much your healthcare will cost each month and each year. That can be very reassuring and very helpful in your budget planning.
What You Get from AARP
You may know that there are lots of insurers that offer Medicare Advantage plans. So what does AARP offer that other insurers may not? The Complete plan is nice, but it is very similar to many other high coverage Advantage plans sold by many other insurance companies. There isn’t anything unique about its actual healthcare coverage. However, it does come with the benefits that are standard for AARP and United Healthcare members.
That could include the member-exclusive service called Renew, which is a health and wellness program for seniors. It can also include the various services of AARP and United Healthcare, such as access to medical professionals around the clock, discounts on gym memberships and assisted living programs that make life easier for the elderly and infirm.
This is what AARP has to offer as far as customer services. It can also offer high quality service and a reputation for stability and excellence. You might be surprised at how many seniors are struggling to find stability when it comes to their healthcare and health insurance. The AARP Medicare Complete 2020 plans can provide that for them. They do so by having the backing of AARP and United Healthcare. They also do that by having a history of strength and stability from the insurers. You may be able to sleep better at night knowing that you are being covered by a robust plan offered by a solid, stable insurance company.
The Advantage Network Factor
With any Advantage plan, even Medicare Complete, you will have a network that affects the coverage area. If you go outside of your insurance company’s network and try to get healthcare services, then you will not receive the full coverage guaranteed by your plan. That guarantee of coverage only applies to the network area. The network is built on the connected hospitals and clinics and other medical facilities that agree to honor AARP’s plans.
Once you go outside that network for your care, and you may not always have a choice, then you cannot expect to receive full coverage. There will be no coverage offered at all if you choose an AARP HMO plan. This gives you full coverage while you are within the network but no coverage outside of it.
If that doesn’t work for you because you live outside the network or frequently travel there, then you could always opt for a PPO plan. This is going to cover you fully on the insurer’s network, of course. However, it will also cover you outside the network, but that coverage will only be partial coverage. That may be enough to make it worth your while, though, especially if you frequently go outside the network when you need medical care. This kind of situation is true of many people in rural areas or those areas where there is little infrastructure.
Do You Need Medicare Complete?
The Medicare Advantage plans are already pretty comprehensive healthcare plans. They cover all sorts of expenses that are common to most seniors. For some people, they can even go above and beyond what they regularly need covered. If, for instance, you are in good health, you may not need something as powerful as this.
Then when you look at Medicare Complete, with its even greater coverage, you may wonder if it is even necessary. For many people, it will not be. However, if you are a senior and are eligible for this kind of plan, we do suggest that you take a look at it. We think there is a good chance it could benefit you.
Even people who are in relatively good health could save money or at least enjoy peace of mind when they choose an AARP Medicare Complete 2020 policy. They can enjoy the kind of coverage that most insurers will not offer, thanks to the extra perks and benefits of the AARP and United Healthcare membership that Medicare Complete subscribers will enjoy. If you are not sure if this kind of plan is right for you or if you should go with something else, then please contact us.