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Types of AARP Medicare SupplementsWhen an original Medicare plan is not enough, an AARP Medicare supplement plan can be one of the most valuable resources for a senior citizen. Typically, a senior Medicare supplement insurance policy will either be an HMO, a PPO or a PFFS. Medicare supplement AARP plans have all of the benefits of Medicare, but with lower co-payments and more coverage such as prescriptions and extended hospital stays. An HMO senior Medicare supplement insurance policy provides benefits such as prescription drugs, check-ups, vision care and hearing aids, in addition to the original Medicare coverage. When seniors choose an AARP Medicare supplement from an HMO provider, though, they can only go to certain doctors, hospitals and specialists. Typically, the Medicare supplement AARP enrollee will be assigned one primary doctor, who can then assign a specialist or admit them to a hospital as needed. A PPO senior Medicare supplement insurance policy also has a network of doctors, hospitals and specialists that enrollees can choose from, but they can also go outside the network if they choose to do so. The AARP Medicare supplement beneficiary will have to pay more to see anyone outside the network. Prescription drug coverage also comes with both HMOs and PPOs, so enrollees may not need to select a separate Medicare prescription drug plan. A PFFS (Private Fee for Service) Medicare supplement AARP plan allows people to choose any doctor or hospital, but the insurance companies decide how much they will pay. This allows the patient to have more freedom, but it comes at a price. In the end, it’s between the beneficiary and their AARP insurance provider to decide which option is best, since there are many to choose from. Call us Toll Free 877.840.0554 to learn more about your options or get your free Medicare Supplements Quote Today!
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