AARP Insured by Aetna
AARP Essential Premier Health Insurance is provided by AARP health insurance provides of Aetna Life Insurance Company. This plan is designed specifically for AARP health insurance members who are retired, between the ages of 50 and 64, are self-employed, are coming off COBRA, or are looking to cover their dependents, or those who are looking into early retirement. AARP (rated the health insurance company 'most admired' by fortune magazine), offers plans with benefits at the premier level, with varying ranges of quality, depending on coverage and care needed. There are plans that offer preventive and hospital care, health savings accounts, and PRO plans, all of which could be compatible with a high deductible plan.
Here is what you will find the AARP Essential Premier Health Insurance plan offers:
- Preventive care coverage: this means that the plans will cover things like flu shots, physical exams, routine mammograms and colonoscopies, etc, without having individuals first meet the deductible requirements beforehand.
- Individual and Family coverage: these are plans which can offer insurance for hospitalization, preventive care, regular doctor visits, and prescription drugs to members of AARP, as well as their partner, children and grandchildren.
- Health Savings Account- tax advantage: there is a health plan called a High Deductible health plan which works together with tax-advantaged Health Savings Accounts. These permit tax-free withdrawals and deposits for certain expenses which qualify, and the balance amount is also permitted to earn interest.
- Travel Coverage: to ensure you are always protected, there is a network across the nation of doctors and hospitals who work in collaboration with Aetna to give the reimbursement for services used while out of the network traveling.
- Need more info? Check out Aetna's website called Aetna Navigator, to use tools and find the resources you need, as well as 24 hour access to the nurses phone line to get any health information you need.
- AARP membership: organization has been working with the community to create healthy changes in members for over 50 years. AARP is a tax-exempt nonprofit organization which carries out a mission to improve the quality of life that Americans have, promoting health at every age, independence, and dignity. Members of AARP are given access to information, services and products which promote and enhance health and quality of life, at discounted prices. To benefit from these plans, individuals must be AARP member.
The AARP EPHI Plan (Essential Premier Health Insurance Plan) is provided to members by Aetna Life Insurance Company. Depending upon the state of residency, some individuals can qualify for some plans listed as a small business group of one.
The EPHI Plans which are medically underwritten by Aetna can decline coverage depending on an individual’s health condition. If this occurs, these individuals may still be federally eligible under the Health Insurance Portability and Accountability Act for the special plans which are governed by the state laws and regulations for a guaranteed issue plan.
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