What Medicare Changes Mean To AARP Medicare
Supplement Members
The American Association of Retired Persons (AARP) is a
special-interest (non-government) group based in the U.S. AARP focuses
on issues related to people who are 50 years old or older. AARP services
a vast membership of an estimated 33 million people.
One of the special concerns of older Americans is health care, including
Medicare and its recent changes. To address that issue, the organization
offers the AARP Medicare Supplement insurance to those members who wish
to purchase it.
Medicare supplement insurance plans provide for
access to any doctor nationwide who accepts Medicare. There is no
need to be limited to a doctor, location, or sometimes pharmacy by
having to choose a primary care physician.
Furthermore, Medicare supplement plans are said to offer greater
benefit stability than Medicare itself, in addition to the greater
access to facilities and doctors.
AARP's lobbying activities helped spur the U.S. Congress to pass the
Medicare Prescription Drug, Improvement, and Modernization Act,
which authorized the creation of Medicare Part D. The 2006 Medicare
Part D prescription plan options offer prescription drug coverage to
Medicare members through private health insurance companies.
The AARP Medicare Supplement insurance works like many other
supplement plans. For those AARP members enrolled in an AARP
Medicare Supplement with drug coverage, there can be confusion about
how the Medicare Part D prescription plan affects their supplement
coverage. AARP has identified some options for AARP Medicare
Supplement members to follow.
The first option is for AARP Medicare Supplement insurance members
with drug coverage to go ahead and sign up for the Medicare Part D
prescription program. Those members could then drop the drug
coverage from their AARP Medicare Supplement insurance plan and rely
on the Medicare drug coverage.
If the first option is not chosen, AARP Medicare Supplement members
have Options 2 or 3. For Option 2, the AARP Medicare Supplement
member could enroll in the Medicare Part D plan, then adjust their
AARP Medicare Supplement coverage to create an insurance package
similar to their original AARP Medicare Supplement plan. Persons
considering this option should weigh the cost and prescription
benefits carefully.
Option 3 suggests that AARP Medicare Supplement members simply keep
their existing AARP plans and not enroll in the Medicare Part D
prescription program. However, the AARP warns that members choosing
to join the Medicare Part D program at a later date may incur a
penalty for late enrollment.
Those AARP Medicare Supplement insurance plan members who do not
have the AARP drug coverage should simply enroll in the Medicare
prescription plan as soon as possible (e.g., during the next open
enrollment period). The AARP Medicare Supplement insurance coverage
of these people will not change.
Each AARP Medicare Supplement insurance program member should
examine their financial and medical circumstances carefully before
making a decision regarding the effect of Medicare Part D on their
AARP Medicare Supplement plan. The most up-to-date information can
found at the AARPHealthcare.com website.
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