AARP Health Plans For Those Ages 50-64

There are four insurance plans for those ages 50-64. AARP Essential Premier Health Insurance is the major medical insurance offering coverage for doctor’s visits, hospitalization, emergency room visits, lab work, medical tests, and x-rays. This insurance plan is the most comprehensive for this age group, but is not available in every state. Essential Premier Health Insurance can also be used as a supplement to other insurance. It provides basic benefits, has vision coverage and prescription drug discounts. This plan will also provide coverage for dependents and a spouse.

AARP Essential Plus Insurance is a low cost option when comprehensive coverage is too costly. This plan is a hospital indemnity plan with a fixed-cash benefit that is enhanced. This means that the plan reimburses the insured for qualifying medical costs but does not arrange for the medical care. The rate is generally fixed so you know what coverage to expect and what out of pocket expenses may arise. Because the plan is enhanced, it offers more options when it comes to choosing a physician, hospital, or specialist. If these types of options are important to you, this plan may be the right choice for you.

This plan can also be used as a supplement, if you have an insurance plan that falls short of giving you the coverage you want. The benefit of this plan is that it is a low cost option; however it may not cover some of the medical care that you need. Within the plan, there is some flexibility as to rates and what coverage can be received. It too includes, vision, prescription, and dependent/spouse coverage.

The third plan offered is AARP Essential Health Insurance. This plan is similar to the Essential Plus plan without the enhanced benefits. It covers basic needs such as routine doctor’s visits and hospital needs. It does not have the same flexibility as some of the other plans but still offers some low cost coverage.

The last plan for this age group is AARP Hospital Indemnity Insurance. This is meant to be a supplement only. It is for people who already have some other coverage through a job, pension plan, or spouse but need additional coverage that is cost effective. It too offers fixed-cash benefits.