A quick visit to Medicare’s official website will list dozens of plan options in most areas of the Country. In today’s post we’re going to take a look at the AARP Medicare Complete Advantage Plan formerly a Secure Horizons brand.
One of the most recognized Medicare Advantage plans has been re-branded as AARP MedicareComplete Insured Through United Healthcare.
In many cases, the AARP Medicare Complete plan has become the go to plan for insurance agents representing United Healthcare since the Secure Horizons branded private fee-for-service plans did not renew for a couple of years ago in so many service areas.
Benefit Plan selections are numerous. AARP Medicare Complete plans include HMOs, PPOs and Point of Service (HMO-POS). Plans vary from one service area to another, with HMOs being most popular in large metropolitan areas.
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Assessing AARP Medicare plan options in your area
Although you can find MedicareComplete in many Counties across the United States the plan’s features and benefits will vary greatly depending on where the plan is offered.
Many people begin their search for an Advantage plan by looking for Medicare plans by State. This search is too broad because a service area is considered to be an individual County.
One popular plan that is widely available is the AARP Medicare Complete Choice Plan 2. This plan is a regional PPO and has a fairly credible network of providers available for members.
One benefit of a PPO is the availability for the member to go out of network if they desire. Cost sharing will be lower if a network provider is utilized, but it’s nice to know that you have the freedom to choose your own doctor.
You must name a network provider as your primary physician, but are not obligated to use them. In addition, referrals are not required to see a specialist.
If you find that there are no plans available from United Healthcare in your County, you may have other plan options or you can look into an AARP Medicare supplement insurance policy.
Checking the benefits
The AARP Medicare Complete Choice Plan 2 in particular does not require a monthly premium (other than continued payment of your Part B) and does include the Part D prescription drug benefit with no annual deductible.
Co-pays for doctors and out-patient services are reasonable and the per day hospital co-pay is only required for as little as first six days at an in-network hospital.
One less than positive feature is the much higher co-pay for an out of network hospital stay and an increase in the number of days that the co-pay is required. It’s important to check the provider directory to make sure that you are comfortable with the hospitals that are in network.
Some members are not too concerned that the co-pay is higher out of network, recognizing that given today’s technology, hospital stays are becoming shorter and shorter.
Value added benefits
The plan includes value added benefits, such as; vision, dental and hearing services. Theses services are not going to cover 100%, but they are beyond what original Medicare will cover. The Silver Sneakers gym membership is also available in many service areas.
Compare the AARP Medicare Complete plans with other Medicare Advantage Plans in your area to be certain that the plan will suit your specific needs.
Find plans by visiting Medicare’s official website or by consulting the Medicare publication, “Medicare and You”.