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The AARP is a wonderful group that has been around for decades. They are dedicated to helping bulk l-carnitine base discover benefits and services especially designed to help them. One of the benefits they offer is health insurance.
But not everyone is enamored with this group, especially with what AARP puts forwards as "health insurance." Some people go so far as to call the AARP Health Insurance plan a "rip-off." So let's investigate this health plan further.
The first thing to note is, the AARP is NOT an insurance agency. There is no such thing really as "AARP Health Insurance" per se.
The AARP is an organization, a club if you will. They don't sell their own health insurance, but instead refer you to an agency that does sell it. And through their referral, the AARP can get a premium discount at a group rate. But not always. It is possible to get cheaper insurance than what AARP can offer, if one looks around.
But there's another issue.
The health insurance gotten through the AARP is not all comprehensive. I think that many people just make the assumption that all health insurance is comprehensive, covering all unforeseen medical conditions. But sometimes insurance is merely supplemental and doesn't cover everything, and the insured find out about this too late, when they need the insurance to pay for some major health problem. And the supplemental insurance won't always cover the problem. That's when the terms "rip-off" get thrown about. Some people claim the AARP is misrepresenting the insurance.
But in any health insurance policy, the consumer has to know in advance the coverage they are getting; what's covered and what isn't. They need to understand the policy, ask questions, do their homework. Many insured people today have no idea what their coverage entails.
I see that this year, AARP is offering an HMO through UnitedHealth, and a PPO through Aetna. In the past they've been instrumental in getting Congress to pass a Medicare Drug bill and a Social Security reform bill. This election year they plan to address more health care issues.
The bottom line is, to me the AARP is doing a lot to help people over 50 with their health care issues. Their website is loaded with info. But they are not, repeat not, an insurer.
So in summarizing, if you wish to get AARP health insurance, but may be afraid of the horror stories out there about this big tough lobbyist, I suggest you understand the policies they offer completely. Read and re-read their offers and find out what is and isn't covered. And understand that the AARP is not the ones writing policies and paying out insurance claims.
To see more articles about health insurance, such as individual health insurance plans, types of plans available, what a policy means, and more, please visit http://www.health-insurance-aid.com.
