Does AARP have a Medicare Part D plan?

Over 3 million Medicare beneficiaries are enrolled in AARP Part D plans through its exclusive partnership with UnitedHealthcare. This provides a popular pathway for older Americans seeking reliable prescription drug coverage, including answers to the question, Does AARP have a Medicare Part D plan?.

Quick Summary

AARP does not directly issue Medicare Part D plans, but partners exclusively with UnitedHealthcare to offer multiple options, including the AARP Medicare Rx Preferred and AARP Medicare Rx Saver plans. These are available to Medicare-eligible individuals, who can compare plans and costs based on their specific needs and location.

Key Points

• Exclusive Partnership: AARP offers Medicare Part D plans exclusively through UnitedHealthcare. For more details, visit {Link: NerdWallet https://www.nerdwallet.com/insurance/medicare/aarp-unitedhealthcare-part-d-review}.

• No Membership Required: You do not need to be an AARP member to enroll in one of the AARP-branded Part D plans offered by UnitedHealthcare.

• Two Primary Options: For 2025, UnitedHealthcare offers two main AARP Medicare Part D plans: the Medicare Rx Preferred and the Medicare Rx Saver. For more details on the options and cost structures, visit {Link: NerdWallet https://www.nerdwallet.com/insurance/medicare/aarp-unitedhealthcare-part-d-review}.

• Compare Your Costs: The best way to choose a plan is to use the Medicare Plan Finder tool to compare plans based on your specific prescription drugs, as formularies and costs vary.

• Consider All Costs: In addition to monthly premiums, look closely at deductibles, copayments, and coinsurance, as these can significantly impact your total out-of-pocket expenses.

• Annual Review Recommended: Because plan formularies, costs, and benefits can change each year, it is a good idea to re-evaluate your plan during the annual Medicare Open Enrollment period.

How the AARP and UnitedHealthcare Partnership Works

AARP is an advocacy organization for individuals aged 50 and over and is not an insurance provider itself. They partner with insurance companies to offer members access to various products and services. For Medicare plans, AARP has an exclusive partnership with UnitedHealthcare. When you enroll in an AARP MedicareRx plan, the insurance is provided by UnitedHealthcare, but the plan carries the AARP name. For more details on the plans and enrollment, visit {Link: NerdWallet https://www.nerdwallet.com/insurance/medicare/aarp-unitedhealthcare-part-d-review}

Conclusion

AARP does not directly offer Medicare Part D plans but partners with UnitedHealthcare to provide AARP-branded options like the Medicare Rx Preferred and Saver plans. These plans offer prescription drug coverage to millions of beneficiaries. Comparing plan details based on your specific medication needs and potential costs is key to choosing the right coverage.

Visit the official Medicare Plan Finder here for personalized comparisons.

Frequently Asked Questions

Can I get a Medicare Part D plan directly from AARP?

No, you cannot get a plan directly from AARP. AARP works with UnitedHealthcare to offer AARP-branded Medicare Part D plans. UnitedHealthcare is the insurance company that underwrites and administers the policy.

Do I need to be an AARP member to sign up for an AARP MedicareRx plan?

No, you do not need to be an AARP member to enroll in one of the AARP MedicareRx plans offered through UnitedHealthcare.

What are the two main AARP Medicare Part D plans for 2025?

For more information on the two main AARP Medicare Part D plan options for 2025, including the Medicare Rx Preferred and the Medicare Rx Saver, please refer to {Link: NerdWallet https://www.nerdwallet.com/insurance/medicare/aarp-unitedhealthcare-part-d-review}.

How can I compare the costs of different AARP Part D plans?

The most effective way to compare costs is by using the Medicare Plan Finder tool on the official Medicare website (medicare.gov). It allows you to input your specific medications to get a personalized cost estimate for all plans in your area, including those from AARP/UnitedHealthcare.

What is the difference between the AARP Medicare Rx Preferred and Saver plan?

For details on the differences between the AARP Medicare Rx Preferred and Saver plans, including costs and coverage, please refer to {Link: NerdWallet https://www.nerdwallet.com/insurance/medicare/aarp-unitedhealthcare-part-d-review}.

Where can I find my pharmacy in the AARP Medicare network?

You can check if your pharmacy is in the network by using the plan's online pharmacy directory. Your costs may be lower if you use a "preferred network" pharmacy, so it's important to verify this information.

Is the formulary for AARP MedicareRx plans the same every year?

No, a plan's formulary can change annually. It's recommended to review your plan's formulary each year, especially during the annual Medicare Open Enrollment period, to ensure your prescriptions are still covered and affordable.