An Overview of AARP's Partnership Model
Founded in 1958, AARP is not an insurance company but a powerful nonprofit, nonpartisan organization that partners with leading providers to offer exclusive, branded products and services to its members. This model allows AARP to vet and offer a broad spectrum of benefits, leveraging its large membership base to secure special rates and packages. The scope of coverage is vast and continues to evolve, making it a valuable resource for aging adults.
Comprehensive Health and Wellness Coverage
One of the most significant areas where AARP offers coverage is in health and wellness, primarily through its long-standing partnership with UnitedHealthcare. These offerings are designed to supplement or enhance existing health coverage, particularly for those on Medicare. It’s important to note that specific plan availability and costs can vary by location.
Medicare Plans through UnitedHealthcare
- AARP® Medicare Advantage Plans (Part C): These plans are a popular alternative to Original Medicare, bundling hospital (Part A) and medical (Part B) insurance. Most plans include additional benefits like prescription drug coverage (Part D), dental, vision, hearing, and fitness programs. Some specialized plans cater to those with chronic conditions or dual Medicare/Medicaid eligibility.
- AARP® Medicare Supplement Insurance Plans (Medigap): These policies help cover some of the out-of-pocket costs that Original Medicare doesn't, such as copayments, coinsurance, and deductibles. As with Original Medicare, Medigap policies generally do not cover long-term care, dental, or vision.
- AARP® Medicare Rx Plans (Part D): These standalone plans help with prescription drug costs and can be used alongside Original Medicare or a Medigap plan.
Other Health-Related Member Benefits
Beyond Medicare plans, AARP members can access other health-focused benefits through various partnerships:
- Dental Insurance: Administered by Delta Dental, these plans offer individual and family coverage for a range of dental procedures, with different plan levels available.
- Vision Plans: Offered through VSP®, members can receive coverage for annual eye exams, glasses, and advanced lens features. Discounts are also available at retailers like LensCrafters and Target Optical.
- Prescription Discounts: The AARP Prescription Discounts program, powered by Optum Rx®, provides a free discount card usable nationwide. AARP members receive even deeper discounts and home delivery options.
- Long-Term Care: New York Life offers customized long-term care options designed to fit various needs and budgets.
Other Insurance Products for Financial Security
AARP's coverage extends to protecting your assets and loved ones through insurance products offered by other partners:
- Auto and Home Insurance: Offered through The Hartford, members can access potential discounts on policies, with additional savings for bundling coverage. This includes protection for motorcycles, RVs, and renters.
- Life Insurance: New York Life provides several life insurance options for AARP members, including Term, Permanent, and Guaranteed Acceptance plans.
- Pet Insurance: Fetch Pet Insurance offers a discount on monthly premiums for AARP members, with plans covering injuries and illnesses.
Travel, Dining, and Lifestyle Discounts
An AARP membership unlocks a world of discounts that can significantly reduce costs for everyday expenses and leisure activities. The travel benefits are particularly extensive, helping members save on various vacation expenses.
- Travel: The AARP Travel Center powered by Expedia offers exclusive savings on flights, hotels, car rentals (Avis, Budget), cruises, and vacation packages.
- Dining: Members can find discounts at thousands of nationwide restaurant chains and local eateries, such as Outback Steakhouse and Denny's.
- Shopping: AARP offers discounts at various retailers, including savings on groceries and tech purchases.
- Entertainment: Benefits include discounts on movie tickets, live shows (Cirque du Soleil), and access to AARP's own virtual community center and free online games.
- Roadside Assistance: Allstate offers discounted roadside protection plans for AARP members.
Important Financial and Legal Resources
Beyond direct discounts, AARP provides valuable tools and resources to help members with financial planning and legal needs. These include:
- Free financial check-ups and planning tools.
- Identity theft protection services.
- Discounts on tax preparation services.
- Access to free or discounted legal advice, including estate planning and will preparation.
Comparing AARP-Branded Medicare Plans
| Plan Type | Insurer | Key Features | Primary Purpose |
|---|---|---|---|
| Medicare Advantage (Part C) | UnitedHealthcare | All-in-one plans that bundle Original Medicare with extras like Part D, dental, and vision coverage. | Replaces Original Medicare with more comprehensive and potentially lower-cost coverage. |
| Medicare Supplement (Medigap) | UnitedHealthcare | Helps pay for out-of-pocket costs (copays, coinsurance, deductibles) left by Original Medicare. | Used with Original Medicare to fill coverage gaps. |
| Medicare Part D (Rx) | UnitedHealthcare | Provides coverage for prescription drugs. Can be combined with Original Medicare or a Medigap plan. | Lowers prescription drug costs. |
Conclusion: The Value of AARP Membership
An AARP membership offers far more than a simple discount card. It is a comprehensive suite of benefits, insurance products, and resources tailored to the needs of older adults and their families. While AARP does not provide insurance directly, its network of trusted partners ensures members have access to competitive options for health, financial security, and lifestyle savings. For those exploring their options as they age, an AARP membership provides a valuable gateway to a wealth of services designed to promote a fulfilling and independent life.
Visit AARP's Member Benefits page for a comprehensive list of all current offers and programs.
