How to Find Alternatives to AARP Health Insurance

Finding affordable, comprehensive health insurance is challenging for most adults. For senior citizens, the task may be worse. AARP contracts with health insurance providers to make coverage available to its members. However, thousands of seniors are not AARP members. There are options for people seeking other choices. One way to find an alternative to AARP health insurance is to contact the insurers and providers who contract with AARP.

Difficulty: Moderately Challenging

Instructions

1. Outline the pros and cons of some insurance providers who contract with AARP. Carefully decide what coverage is absolutely necessary, versus coverage that's wanted but not needed.

2. Pinpoint the benefits of coverage that is essential. Next, match the features of AARP contracted insurance plans with other health plan options. Categorize plans by the most important features.

3. Weigh the advantages of alternative health plans. For instance, find out if cost is the most important feature or if a discount prescription drug program is more important. Figure out what the deciding factor is when choosing health plans.

4. Compare health plans that are categorized according to features. Examine and review their applications. Contact a health insurance agent or broker for additional insight and to answer any questions. Do an online search to find health plan brokers.

5. Nail down any final details before enrolling. For example, ask about the cancellation policy and payment options. Inquire about any premium increase with policy renewal. See if there are benefits to adding additional people to the policy such as a spouse.

Tips & Warnings

• Carefully evaluate health care needs before choosing any insurance plan.