How to Get AARP Group Health Insurance

The American Association of Retired Persons (AARP) offers group members the opportunity to enroll in a variety of insurance plans, including health, dental and vision plans. Discounts are available for a number of services, such as pharmacy, diabetic supplies and over-the-counter medications.

Difficulty: Moderately Easy

Instructions

Participate in the Benefits of AARP

1. Become a member of AARP if you are at least 50 years of age. The spouse of a member is eligible to participate in all the benefits offered by AARP, even if she is under the age of 50.

2. Verify that healthcare options are available from AARP in your state. All primary care services are not available in every state.

3. Get an insurance policy through AARP with recognized, established group insurance providers such as United HealthCare and United HealthCare Insurance of New York. United HealthCare has received an A+ rating from a.m. Best.

4. Offer the option of AARP plans to your employees. Companies with a minimum of 25 eligible retirees can get plans that include nationwide coverage.

5. Become a member of the group that chooses AARP as a Medicare supplement. Metropolitan Life Insurance Company offers extended care options to AARP members at group rates for added savings. a.m. Best rates Metropolitan as an A+.

6. Explore the options for your age group offered by AARP by perusing its website (see Resources below). If you are not a member of AARP, you can apply online for immediate access to all benefits and information regarding health insurance availability.

7. Add dental insurance to your AARP group health plan. Check with your dentist to see if he accepts the AARP plan, or visit the dental insurance plan online at AARP's website (see Resources below).

8. Sign up for long-term care insurance with AARP. Protect your savings and investments when you get coverage for nursing home costs along with your group health insurance. The plan options are flexible and can be structured to fit your needs and desires.

Tips & Warnings

• When you become a member of AARP, you receive an abundance of discounts for a variety of products and services. Glasses, fitness equipment, personal care items and supplements are just a few of the discounted items available through AARP.
• Read the coverage carefully. AARP group plans are not as comprehensive as most employer group health insurance programs, but are designed to meet the needs of those in early retirement or part-time employment.

Resources

• AARP website for membership and products
• AARP website for dental insurance

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