AARP MedicareComplete Advantage Plan one of the most recognized brands
AARP MedicareComplete is a Medicare Advantage Plan offered by United Healthcare. MedicareComplete is a popular plan option in many service areas. Medicare Advantage Plans are offered in service areas (typically Counties) and the benefits can vary widely depending on where the plan is available.
In many service areas AARP MedicareComplete is often available as a HMO. An HMO will often have lower out-of-pocket costs but be more restrictive when it comes to which providers you can use. You will receive your services from in-network providers except in an emergency or if you register for the United Healthcare Passport Program.
Medicare Complete can also be a PPO or Regional PPO Plan. You have the flexibility to receive care out-of-network but will have lower costs if you receive care from network providers. A PPO can be quite appealing if you need to see a specialist not in the provider network.
To learn what AARP MedicareComplete plan options you have available it’s easiest to compare plans online. You can also compare MedicareComplete to other available plans.
AARP MedicareComplete vs an AARP Medicare supplement
It’s worth pointing out that MedicareComplete is not a Medicare supplement (also known as a Medigap policy). Advantage Plans and Medicare supplements are completely different types of plans. Both plans are offered by United Healthcare but that’s where the similarities stop.
A Medicare Advantage Plan is merely a different way to receive your Medicare benefits. The plan is administrated by a private insurance company that contracts with the centers for Medicare and Medicaid (CMS). You will receive your benefits from the plan and not from original Medicare.
AARP MedicareComplete includes all Medicare Part A and Part B benefits. And you must continue to pay your Part B premium. Plans also generally include Part D prescription drug benefits and frequently include extra benefits like dental, vision and a Silver Sneakers Gym membership as well.
You will receive care from network providers and pay co-payments, coinsurance and deductibles required by the plan. You will also pay a plan premium which is often $0 per month. (CMS doesn’t allow them to be called free).
If you choose to buy an AARP Medicare supplement you will receive your benefits from original Medicare and the supplement. The supplement pays a portion of the charges that are your responsibility. With original Medicare you’re responsible for some hospital costs, the Part B deductible and 20% of all outpatient charges.
Like all supplements AARP supplements are standardized plans and what your plan pays depends on the plan chosen. Medicare supplement Plan F is the most comprehensive and the most popular.
When you buy a supplement you are able to choose any provider that accepts Medicare. You do not generally have network limitations unless you buy a Medicare Select plan. You will need to buy a separate Part D plan as none are included in a supplement’s coverage.
Is MedicareComplete a good choice for you?
The first thing you need to do is educate yourself about your Medicare plan options. Will you insure with original Medicare only? Doing so will leave you vulnerable to some potentially high out-of-pocket costs. The real option is between enrolling in a Medicare Advantage Plan or buying a Medicare supplement.
If you are new to Medicare or need more information about these two types of plans watch my 8 part Video Medicare Mini-Course to get up to speed.
If you decide that a Medicare Advantage plan is your better choice – compare plans. AARP MedicareComplete is a popular plan with credible networks but it doesn’t necessarily mean it the best choice for you. Do your homework. Once you enroll in a plan you have little opportunity to dis enroll until the next Annual Enrollment Period.
Review these documents:
- The Summary of Benefits
- The Provider Directory
- The Part D Formulary
The Summary of Benefits will detail what is covered and what it will cost. The provider Directory is more than a list of doctors. Hospitals, clinics, labs and other outpatient facilities are all included. The Part D Formulary is a list of all covered drugs and what tiers they are placed in. reviewing these documents is essential.
You can also visit the AARP Medicare Plans website to search for more information.