Secure Horizons has gotten a lot of mileage from the AARP brand. The brand is so strong, that many people assume that AARP is the insurer. Of course this is not the case. AARP is an advocacy group that receives a royalty for lending their brand to insurance companies that offer products to seniors.
AARP Medicare Advantage plans are underwritten by United Healthcare. That’s why they have shifted branding strategies and are trying to develop a more unified brand. The brand change has effected Evercare Medicare Advantage plans as well.
AARP MedicareComplete is by far the most recognizable Advantage plan in the United Healthcare family. Many people do not realize that there are many MedicareComplete plans available. All MedicareComplete plans have been branded as AARP Advantage plans. Plans include:
- Health Maintenance Organization (HMO) Medical and Part D included.
- Health Maintenance Organization (HMO) Medical benefits only.
- Preferred Provider Organization (PPO) Medical and Part D benefits.
- PPO plans with medical benefits only
- Point of Service (HMO_POS) Medical and Part D benefits.
- HMO-POS plans with medical benefits only.
Advantage plans are offered County-by-County and not all plans will be available in each service area.
Don’t confuse AARP Medicare Advantage plans with AARP Medigap policies
There is still plenty of confusion about Advantage plans. Many people often refer to them as Medicare supplements. A Medicare Advantage plan is not a Medicare supplement.
A Medigap policy is the traditional type of plan that fills the gaps left by Medicare. Medicare supplements (Medigap) are standardized plans, that to one degree or another, cover the portion of Medicare expenses that would normally be the beneficiaries responsibility. Plans may be referred to as AARP Medigap Plan F or AARP Medigap Plan N.
An Advantage plan is another way to receive your Medicare benefits. A private insurance company contracts with the Centers for Medicare and Medicaid (CMS) to administer you Medicare benefits. The assumption goes that, because the insurance company is more financially efficient than the federal government they should be able to get more benefits for your Medicare dollar.
Choosing an Advantage plan
If you decide that an Advantage plan is the right choice, you will need to do your home work. There are literally dozens of choices in most service areas. A service area is a County. Many people look for Medicare Advantage plans by State, but you really need to look on a County-by-County basis.
AARP Medicare Advantage plans are not your only choice but given their solid products, strong networks and reputation for customer service, you will be in capable hands should you choose to enroll.